# EDGAR Filing Document

**Accession Number:** 0001802711
**File Stem:** 0001999371-25-009091
**Filing Date:** 2025-7
**Character Count:** 6439412
**Document Hash:** 17c635df8bdb0290f7b18a3dcab73fab
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-009091.hdr.sgml**: 20250714

**ACCESSION NUMBER**: 0001999371-25-009091

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

**PUBLIC DOCUMENT COUNT**: 58

**CONFORMED PERIOD OF REPORT**: 20250714

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

**FILED AS OF DATE**: 20250714

**DATE AS OF CHANGE**: 20250714

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Vista Point Assets LLC
- **CENTRAL INDEX KEY:** 0001802711

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04995
- **FILM NUMBER:** 251121992

**BUSINESS ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
- **BUSINESS PHONE:** 949-333-3816

**MAIL ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Vista Point Assets LLC
- **CENTRAL INDEX KEY:** 0001802711

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
- **BUSINESS PHONE:** 949-333-3816

**MAIL ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Vista Point Assets LLC
- **CENTRAL INDEX KEY:** 0001802711

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
- **BUSINESS PHONE:** 949-333-3816

**MAIL ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614

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

**FORM ABS-15G**

**<br> ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>VISTA POINT ASSETS LLC</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: <u>0001802711</u>

VISTA POINT SECURITIZATION TRUST 2025-CES2

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

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

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

Jim Malloy, (949) 333-3326

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

**FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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

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

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | VISTA POINT ASSETS LLC | VISTA POINT ASSETS LLC |
| Date: July 14, 2025 | By: | /s/ Jim Malloy |
|  | Name: | Jim Malloy |
|  | Title: | Chief Operating Officer |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1](ex991.htm) [Canopy Financial Technology Partners LLC ("Canopy") Narrative](ex991.htm)

[Schedule 1 - Canopy Rating Agency Grades Detail Report](ex991s1.htm)

[Schedule 2 - Canopy Rating Agency Grades Summary Report](ex991s2.htm)

[Schedule 3 - Canopy Valuation Report](ex991s3.htm)

[Schedule 4 - Canopy Supplemental Data Extract Report](ex991s4.htm)

[Schedule 5 - Canopy ATR QM Report](ex991s5.htm)

[Schedule 6 - Canopy Data Compare Report](ex991s6.htm)

[99.2](ex992.htm) [Clarifii LLC ("Clarifii") Executive Summary](ex992.htm)

[Schedule 1 - Clarifii ATR QM Report](ex992s1.htm)

[Schedule 2 - Clarifii Data Compare Report](ex992s2.htm)

[Schedule 3 - Clarifii Rating Agency Grades Detail Report](ex992s3.htm)

[Schedule 4 - Clarifii Rating Agency Grades Summary Report](ex992s4.htm)

[Schedule 5 - Clarifii Supplemental Data Extract Report](ex992s5.htm)

[Schedule 6 - Clarifii Valuation Report](ex992s6.htm)

[99.3](ex993.htm) [Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter") Narrative](ex993.htm)

[Schedule 1 - Incenter Exception Report](ex993s1.htm)

[Schedule 2 - Incenter Rating Agency Grades Report](ex993s2.htm)

[Schedule 3 - Incenter QM ATR Report](ex993s3.htm)

[Schedule 4 - Incenter Final Tape Compare Report](ex993s4.htm)

[Schedule 5 - Incenter Valuation Report](ex993s5.htm)

[Schedule 6 - Incenter Supplemental Data Report](ex993s6.htm)

[99.4](ex994.htm) [Infinity IPS, Inc. ("Infinity") Executive Summary](ex994.htm)

[Schedule 1 - Infinity Rating Agency Grades Summary Report](ex994s1.htm)

[Schedule 2 - Infinity Rating Agency Grade Detail Report](ex994s2.htm)

[Schedule 3 - Infinity Valuation Report](ex994s3.htm)

[Schedule 4 - Infinity Data Compare Report](ex994s4.htm)

[Schedule 5 - Infinity Supplemental Data Report](ex994s5.htm)

[Schedule 6 - Infinity ATR QM Report](ex994s6.htm)

[99.5](ex995.htm) [Maxwell Diligence Solutions, LLC ("Maxwell") Executive Summary](ex995.htm)

[Schedule 1 - Maxwell Standard Exceptions Report](ex995s1.htm)

[Schedule 2 - Maxwell Grading Report](ex995s2.htm)

[Schedule 3 - Maxwell Valuation Report](ex995s3.htm)

[Schedule 4 - Maxwell Data Compare Report](ex995s4.htm)

[Schedule 5 – Maxwell Supplemental Data Report](ex995s5.htm)

[99.6](ex996.htm) [Selene Diligence LLC ("Selene") Narrative](ex996.htm)

[Schedule 1 - Selene Rating Agency Grades Summary Report](ex996s1.htm)

[Schedule 2 - Selene Standard Findings Report](ex996s2.htm)

[Schedule 3 - Selene Valuation Report](ex996s3.htm)

[Schedule 4 - Selene Supplemental Data Extract Report](ex996s4.htm)

[Schedule 5 - Selene Data Compare Report](ex996s5.htm)

[99.7](ex997.htm) [The StoneHill Group, Inc. ("Stonehill") Narrative](ex997.htm)

[Schedule 1 - Stonehill ATR QM Report](ex997s1.htm)

[Schedule 2 - Stonehill Data Compare Report](ex997s2.htm)

[Schedule 3 - Stonehill Rating Agency Grades Detail Report](ex997s3.htm)

[Schedule 4 - Stonehill Rating Agency Grades Summary Report](ex997s4.htm)

[Schedule 5 - Stonehill Supplemental Data Extract Report](ex997s5.htm)

[Schedule 6 - Stonehill Valuation Report](ex997s6.htm)

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**NARRATIVE**

**VSTA 2025-CES2**

**By Canopy Financial Technology Partners LLC on July 10, 2025**

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 20850

![](ex991001.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 Vista Point Mortgage, LLC (the "Client") or its affiliated company. The Review was conducted from January 2025 to June 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of eight hundred six (806) Loans with an aggregate principal balance of $168,294,289.

**Loan Sampling**

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); DBRS, 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;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &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 |
| &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 |

---

![](ex991001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Note Rate | &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 Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &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;Escrow Flag | &nbsp;&nbsp;No tolerance |
| Qualifying Total Debt Income Ratio (if applicable) | &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;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Verified Doc Type | &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 (when applicable);

● DSCR (when applicable);

● Gross Income (when applicable);

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

![](ex991001.jpg)

**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; and/or

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

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

● Social Security inconsistencies

● Borrower name variations

![](ex991001.jpg)

● Employment:

● Licensing – reviewed NMLS data for:

● Mortgage lender/originator

● Loan officer

● Occupancy:

● Borrower address history

● 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.

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

![](ex991001.jpg)

**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); and

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

**Business Purpose Validation (when applicable)**

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

![](ex991001.jpg)

did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

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

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

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy's 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; and

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

![](ex991001.jpg)

**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);

&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); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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,

![](ex991001.jpg)

---

| |
|:---|
| 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; and |
| **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.

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● 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).

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of 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.

![](ex991001.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.

**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.

![](ex991001.jpg)

● 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***

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 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 value.

**Agency Eligible Loans:**

● For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered a Desk Review. If the CU Score was less than or equal to 2.5, no Desk Review 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 a Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no Desk Review was required based on market acceptance of Agency Eligible Loans.

<br> **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.

![](ex991001.jpg)

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

---

---

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

---

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| | |
|:---|:---|
|  | &nbsp;&nbsp;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** | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**FINDINGS SUMMARY**

**Summary Overview** 

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 8.06% (65 Loans) have an overall grade of "B" and 91.94% (741 Loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 1.86%, or fifteen (15) loans reviewed, and 98.14% (791 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 1.49%, or twelve (12) loans reviewed, and 98.51% (794 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 1.99%, or sixteen (16) loans reviewed, 54.84% (442 loans) have a Property/Valuation grade of "A", and 43.18% (348 loans) have a Property/Valuation grade of "NA".

**FINDINGS TABLE** 

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &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;741 | &nbsp;&nbsp;91.94% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;65 | &nbsp;&nbsp;8.06% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**806** | &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;791 | &nbsp;&nbsp;98.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;15 | &nbsp;&nbsp;1.86% |
| &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;**806** | &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;794 | &nbsp;&nbsp;98.51% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.49% |
| &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;**806** | &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;442 | &nbsp;&nbsp;54.84% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;1.99% |
| &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;348 | &nbsp;&nbsp;43.18% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**806** | &nbsp;&nbsp;**100.00%** |

---

**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;806 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$168294289.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**806** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168294289.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;806 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$168294289.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**806** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168294289.00** |

---

![](ex991001.jpg)

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;41 | &nbsp;&nbsp;5.09% | &nbsp;&nbsp;$7017196.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;35 | &nbsp;&nbsp;4.34% | &nbsp;&nbsp;$7187561.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;727 | &nbsp;&nbsp;90.20% | &nbsp;&nbsp;$153415768.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$191000.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.25% | &nbsp;&nbsp;$482764.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**806** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168294289.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;0 - 120 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.62% | &nbsp;&nbsp;$839300.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;21 | &nbsp;&nbsp;2.61% | &nbsp;&nbsp;$1957125.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.47% | &nbsp;&nbsp;$6014756.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;752 | &nbsp;&nbsp;93.30% | &nbsp;&nbsp;$159483108.00 |
| &nbsp;&nbsp;361 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**806** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168294289.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;644 | &nbsp;&nbsp;79.90% | &nbsp;&nbsp;$132855418.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.62% | &nbsp;&nbsp;$813370.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;157 | &nbsp;&nbsp;19.48% | &nbsp;&nbsp;$34625501.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**806** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$168294289.00** |

---

![](ex991001.jpg)

**DATA COMPARISON RESULTS** 

Of the eight hundred six (806) Loan files reviewed, three hundred twenty-seven (327) unique loans (40.57% by number) had three hundred forty-eight (348) tape comparison discrepancies across thirteen (13) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;806 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;806 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;806 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;806 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;806 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;806 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;806 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;45 | &nbsp;&nbsp;806 | &nbsp;&nbsp;5.58% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;12 | &nbsp;&nbsp;806 | &nbsp;&nbsp;1.49% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;10 | &nbsp;&nbsp;806 | &nbsp;&nbsp;1.24% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;806 | &nbsp;&nbsp;0.25% |
| &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;254 | &nbsp;&nbsp;806 |  |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;806 | &nbsp;&nbsp;0.87% |

---

![](ex991001.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 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 1**

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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** |
| 15106488 | xxx | xxx D B A C | Closed | FPRO4876 | 2025-01-27 11:04 | 2025-02-24 15:14 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of xxx xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-01/30/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-01/27/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-01/30/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.07% 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 45 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 - 19.25 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 - 5.55 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 17457029 | xxx | xxx D B A C | Closed | FPRO4876 | 2025-02-19 05:09 | 2025-02-20 09:48 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. - Seller-02/20/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. "Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements." - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. - Seller-02/20/2025<br>| Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-02/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 27.59% 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 - 21.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% 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 35.1 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 - 10.25 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 - 6.11 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 0.23 |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 11894605 | xxx | xxx D B A | Closed | FPRO4876 | 2025-02-21 10:37 | 2025-02-26 14:24 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. Not included on updated xxx list - Seller-02/26/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Not included on updated xxx list - Seller-02/26/2025<br>| Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-02/26/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.43 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 - 20.16 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 - 12.64 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 10800514 | xxx | xxx D B A C | Closed | FVAL3825 | 2025-02-21 15:49 | 2025-02-27 09:11 | Waived | 1 - Information C B | Property | Property Issue | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please note the appraisal completion date of xxx was after the xxx incidents in the xxx. As evidenced by the appraisal exterior and interior photos, the subject did not sustain any damages. Additionally, according to the attached xxx xxx xxx xxx xxx screenshot, the subject property was not located in a xxx activity zone. - Seller-02/26/2025 <br> Open-Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Please note the appraisal completion date of xxx was after the xxx incidents in the County. As evidenced by the appraisal exterior and interior photos, the subject did not sustain any damages. Additionally, according to the attached xxx xxx xxx xxx xxx screenshot, the subject property was not located in a xxx activity zone. - Seller-02/26/2025 | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-02/27/2025<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 - 24.14 Years<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.18 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 - 24.13 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 12484496 | xxx | xxx D B A C | Closed | FPRO4876 | 2025-02-24 14:19 | 2025-02-26 14:10 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. Not included on updated xxx list - Seller-02/26/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. "Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements." - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. Not included on updated xxx list - Seller-02/26/2025<br>| Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-02/26/2025<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 - 5.25 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 - 5.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.39% 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 21.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 19418350 | xxx | xxx D B A | Closed | FPRO4876 | 2025-02-24 16:10 | 2025-02-26 14:04 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. - Seller-02/26/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. - Seller-02/26/2025<br>| Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-02/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.27% 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 - 26.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.97% 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 61.77 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 xxx 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 - 25.14 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 - 25.15 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 11687486 | xxx | xxx D B A | Closed | FPRO4876 | 2025-02-26 18:44 | 2025-03-03 18:07 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of immediate impact xxx.Ready for Review-not in impacted zipcode list<br> - Buyer-02/27/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-02/26/2025 |  |  | 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> 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 - 5.56 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.59 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 - 15.38 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.17 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 13517996 | xxx | xxx D B A C | Closed | FPRO4876 | 2025-02-26 07:54 | 2025-03-05 12:06 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/05/2025 <br> Ready for Review-The property was appraised on xxx after the xxxs in xxx xxx xxx . As evidenced by the photos, the property did not sustain any damages. - Seller-03/04/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-02/26/2025 | Ready for Review-The property was appraised on xxx after the xxx in xxx xxx xxx . As evidenced by the photos, the property did not sustain any damages. - Seller-03/04/2025 | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/05/2025<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 - 11.70 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.92 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 - 11.71 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.15 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 13787750 | xxx | xxx D B A | Closed | FPRO4876 | 2025-02-28 18:26 | 2025-03-05 10:54 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Not in one of the zip code list - Buyer-03/04/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/03/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/05/2025<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.16 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 73.58% 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 - 11.30 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 - 13.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.27% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 17857054 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-04 09:01 | 2025-03-05 11:50 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. - Seller-03/04/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/04/2025<br>| Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/05/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.39% 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 18.45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxx |
| 15656488 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-05 12:50 | 2025-03-06 11:10 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. - Seller-03/05/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. - Seller-03/05/2025<br>| Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/06/2025<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 - 20.41 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.62% 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 - 6.44 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 75 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 11085715 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-04 10:05 | 2025-03-09 13:29 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/09/2025 <br> Ready for Review-Document Uploaded. property not on our zip code list. see attached - Buyer-03/07/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/05/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.47 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 - 20.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 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 - 5.15 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 15101890 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-04 08:27 | 2025-03-12 13:28 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. The subject zip code is xxx, xxx xxx but not in xxx xxx - Seller-03/11/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. The subject zip code is xxx , xxx xxx but not in xxx xxx - Seller-03/11/2025 | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/12/2025<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 - 9.95 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 - 15.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.89% 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 - 11.46 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 19275161 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-05 15:31 | 2025-03-11 13:17 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. subject not on our zip code list - Buyer-03/11/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/05/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/11/2025<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 - 22.08 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 27.06% Is Below the Guideline Maximum Of 85% 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 - 14.33 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 - 22.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.45 Are Greater Than The Guideline Minimum Of 0 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 - 15.16 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.12% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 19106400 | xxx | xxx D B A C | Closed | FPRO4876 | 2025-03-10 09:48 | 2025-03-11 11:52 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br>- Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. subject not on our zip code list - Buyer-03/11/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/10/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br>- Due Diligence Vendor-03/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.18 Are Greater Than The Guideline Minimum Of 0 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 - 20.22 Years<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 37.36% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 23.00 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 - 22.17 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 18646272 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-06 16:21 | 2025-03-11 13:16 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. subject property not on our zip code list - Buyer-03/11/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/06/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/11/2025<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 - 7.41 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 0.16<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.58 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 xxx 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 35.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 19682940 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-06 19:16 | 2025-03-12 11:45 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Property not included in the updated xxx list. - Seller-03/11/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. Property not included in the updated xxx list. - Seller-03/11/2025<br>| Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.98 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 - 10.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.36% 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 - 5.33 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 14916597 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-11 09:57 | 2025-03-11 13:33 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Per xxx.xxx the incident END date for xxx xxx xxx was xxx . The appraisal is dated after that - xxx. - Seller-03/11/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/11/2025 | Ready for Review-Per FEMA.gov the incident END date for xxx xxx xxx was xxx. The appraisal is dated after that - xxx. - Seller-03/11/2025 | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/11/2025<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 - 6.06 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 0.03<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 48 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 58.23% 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 - Validated Qualifying FICO Of xxx 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 - Validated Calculated DTI Of 29.85% 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 44.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | xxx |
| 16356274 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-07 16:42 | 2025-03-13 12:09 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/13/2025 <br> Ready for Review-I'm a bit confused. Our xxx is dated after the xxx.gov incident END DATE of xxx. The inspector states the property is sound structurally and no adverse environmental conditions. Why is our xxx not sufficient to clear this condition? The original condition was for a xxx-xxx xxx. - Seller-03/12/2025 <br> Counter-xxx will accept an xxx from xxx xx xxx in lieu of the xxx provided the following is included in the assessment: xxx clearly identifies the subject property address - "Provides a damage assessment of "No Damage" and Includes a picture of the subject property. <br> - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. - Seller-03/11/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements - Due Diligence Vendor-03/07/2025 | Ready for Review-I'm a bit confused. Our PDI is dated after the xxx.xxx incident END DATE of xxx. The inspector states the property is sound structurally and no adverse environmental conditions. Why is our PDI not sufficient to clear this condition? The original condition was for a Post-xxx xxx. - Seller-03/12/2025 <br> Ready for Review-Document Uploaded. - Seller-03/11/2025 | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/13/2025<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>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 - 5.65 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.62% 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 50.7 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 34.81% 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 13409524 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-17 15:55 | 2025-03-18 12:28 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. Property not included in the xxx list. Appraisal Report Dated xxx - Seller-03/17/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Property not included in the xxx list. Appraisal Report Dated xxx - Seller-03/17/2025 | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/18/2025<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 - 7.48 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 - 21.17 Years<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 14173634 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-18 08:48 | 2025-03-18 13:02 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Per xxx.gov the incident end date for the xxx xxx was xxx. The appraisal is dated after that date, xxx. - Seller-03/18/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/18/2025 | Ready for Review-Per xxx the incident end date for the xxx xxx was xxx. The appraisal is dated after that date, xxx. - Seller-03/18/2025 | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/18/2025<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 - 15.19 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 - 15.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.53 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 36.48% 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 33.28% 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 xxx 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 - 8 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxx |
| 16971462 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-24 11:06 | 2025-03-26 08:43 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Not on our zip code list - Buyer-03/25/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/24/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.88 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 10342337 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-20 10:08 | 2025-03-26 09:52 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Not on our Zip Code List - Buyer-03/25/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/20/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/26/2025<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 - 6.44 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 - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.69 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 75% 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 30.44% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 17701377 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-24 11:06 | 2025-03-26 09:14 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Not on our Zip Code List - Buyer-03/25/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/24/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/26/2025<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 - 10.04 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 - 10.03 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.12 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 - 6.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.96% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 12190440 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-20 12:22 | 2025-03-26 09:30 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Not on our Zip code list - Buyer-03/25/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/20/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/26/2025<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 - 13.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.91 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 37.07% 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 xxx 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 0.17<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 - 12.29 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 10159657 | xxx | xxx D B A C | Closed | FPRO4876 | 2025-03-25 14:55 | 2025-03-26 13:24 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Per xxx.gov the END DATE for the xxx xxx was xxx. Our appraisal effective date is xxx and does not state any damage. Please advise. - Seller-03/26/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/25/2025 | Ready for Review-Per xxx the END DATE for the xxx . xxx was xxx . Our appraisal effective date is xxx and does not state any damage. Please advise. - Seller-03/26/2025 | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/26/2025<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 - 18.71 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 - 18.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.03 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 - 5.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.24% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | xxx |
| 12395857 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-25 14:55 | 2025-03-26 12:23 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/25/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025<br>| Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.77 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 - 16.00 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 - 14.88 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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.33 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.7% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 16387913 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-31 09:26 | 2025-04-01 11:51 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-03/31/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/31/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-04/01/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 41.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 34.34% 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 49.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 18742671 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-31 09:27 | 2025-04-03 12:20 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/02/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-04/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.83 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 - 28.44 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 - 28.45 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 12409278 | xxx | xxx D B C A | Closed | FPRO4876 | 2025-03-27 14:23 | 2025-03-31 12:25 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Per xxx.gov the incident END date for this xxx was xxx. Our appraisal is dated after that date, xxx and does not state there is any damage. Please review and advise. Thank you. - Seller-03/31/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/27/2025 | Ready for Review-Per xxx the incident END date for this xxx was xxx . Our appraisal is dated after that date, xxx and does not state there is any damage. Please review and advise. Thank you. - Seller-03/31/2025 | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/31/2025<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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.05% 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 - 10.05 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 - 10.06 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 19259837 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-31 09:28 | 2025-03-31 14:23 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-03/31/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/31/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.86% 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 16.39 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 - 7.88 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 0.08 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 18207055 | xxx | xxx D B A | Closed | FPRO4876 | 2025-03-27 18:48 | 2025-03-31 14:48 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-03/31/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/27/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-03/31/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.52% 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 39.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 17997247 | xxx | xxx D B A | Closed | FPRO4876 | 2025-04-03 13:35 | 2025-04-04 13:54 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Per xxx, the incident END date for the xxx was xxx. The appraisals effective date is xxx and does not state any damage due to the xxxs. Can you please review and advise? Thank you. - Seller-04/04/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx.<br> - Due Diligence Vendor-04/03/2025 | Ready for Review-Per xxx , the incident END date for the xxx was xxx. The appraisals effective date is xxx and does not state any damage due to the xxxs. Can you please review and advise? Thank you. - Seller-04/04/2025 | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-04/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 43.99% 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 - 21.67 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 19491353 | xxx | xxx D B A | Closed | FPRO4876 | 2025-04-03 13:40 | 2025-04-04 10:06 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Property zipcode not on xxx list - Seller-04/03/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx.<br> - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Property zipcode not on xxx list - Seller-04/03/2025<br>| Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-04/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.7 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 42.47% 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 - 5.24 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 - 10.16 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 11229125 | xxx | xxx D B A | Closed | FPRO4876 | 2025-04-04 16:20 | 2025-04-07 14:35 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-04/07/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/04/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-04/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.79% 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 - 15.22 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 0.15<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 - 15.22 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 10745069 | xxx | xxx D B A | Closed | FPRO4876 | 2025-04-07 09:31 | 2025-04-07 14:33 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-04/07/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/07/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-04/07/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.13% 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 26.88% Is Below The Guideline Maximum Of 80% 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 - 18.33 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.39 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 0.22 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 19162513 | xxx | xxx D B A | Closed | FPRO4876 | 2025-04-04 15:30 | 2025-04-07 14:34 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-04/07/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/04/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-04/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.99% 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 - 25.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.33 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 - 8.82 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 11072523 | xxx | xxx D B A | Closed | FPRO4876 | 2025-04-07 09:34 | 2025-04-07 14:32 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-04/07/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/07/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-04/07/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.87% 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 - 38.00 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 - 17.23 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 12624888 | xxx | xxx D B A | Closed | FPRO4876 | 2025-04-07 09:37 | 2025-04-07 14:31 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-04/07/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/07/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-04/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.13% 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 - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 11689920 | xxx | xxx D B A | Closed | FPRO4876 | 2025-04-07 09:40 | 2025-04-07 14:37 | Waived | 1 - Information D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-04/07/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/07/2025 |  | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-04/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.82% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.74 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 - 6.00 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 - 21.25 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 - 21.25 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 14462932 | xxx | xxx C B A | Closed | FVAL3825 | 2025-04-04 12:58 | 2025-04-08 15:43 | Waived | 1 - Information C B | Property | Property Issue | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. <br> - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. Property is not near ca wildxxxs. - Seller-04/08/2025 <br> Open-Property located in xxx designated xxx xxx. xxx-xxx xxx needed - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Property is not near xxx xxx . - Seller-04/08/2025 | Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. <br> - Due Diligence Vendor-04/08/2025<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 13.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.21% 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 - 22.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.01% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 11033534 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 15810127 | xxx | xxx D B A C | Closed | FCOM3715 | 2025-01-23 11:28 | 2025-02-21 06:42 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Note terms are incorrect | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Please see attached copy of the corrected 1st payment letter, copy of corrected Note and tracking info for the ORIGINAL note to the Note Custodian. Please be advised, an amortization schedule did not print with this loan package. - Seller-02/20/2025 <br> Ready for Review-The reason for the payment difference is because the Simple Interest box was checked when the docs were issued. Please have xxx advise on how they would like to proceed. Thank you,<br> --<br> xxx xxx <br> xxx , xxx xxx – xxx - xxx xxx <br> - Seller-01/29/2025 <br> Open-. P&I payment reflected on the note is $xxx however actual should reflect $xxx based on the loan terms and no correction doc was provided for the $xxx difference. - Due Diligence Vendor-01/24/2025 | xxx @ xxx% payment should be $xxx . ---- Note payment of $xxx = interest rate of xxx % ----- this is irregular. To resolve: Corrected Note with payment amount of $xxx , first payment letter, amortization schedule. -- Please confirm your LOS system is using a xxx decimal point payment calculation rather than xxx decimal point. - 01/30/2025 <br>Ready for Review-Document Uploaded. Please see attached copy of the corrected 1st payment letter, copy of corrected Note and tracking info for the ORIGINAL note to the Note Custodian. Please be advised, an amortization schedule did not print with this loan package. - Seller-02/20/2025 <br> Ready for Review-The reason for the payment difference is because the Simple Interest box was checked when the docs were issued. Please have xxx advise on how they would like to proceed. Thank you,<br> --<br> xxx xxx <br> xxx , xxx xxx – xxx - xxx xxx <br> - Seller-01/29/2025 | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/21/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% 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 - 23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15810127 | xxx | xxx D B A C | Closed | FVAL1310 | 2025-01-22 14:48 | 2025-02-10 13:34 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-02/10/2025 <br>Ready for Review-Document Uploaded. - Seller-02/10/2025 <br>Counter-a Search of the Condo Project provided however exception is stating that the Invoices reflect the borrower was charged for Lender questionnaire, meeting minutes and reserve report. - Due Diligence Vendor-01/30/2025 <br>Ready for Review-Document Uploaded. - Seller-01/29/2025 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-01/27/2025 <br>Open-HOA Questionnaire Document status is Missing. Provide Condo documentation as seen charged to the borrower. Invoices reflect the borrower was charged for Lender questionnaire, meeting minutes and reserve report. - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-02/10/2025 <br>Ready for Review-Document Uploaded. - Seller-01/29/2025<br>| Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-02/10/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% 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 - 23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15810127 | xxx | xxx D B A C | Closed | finding-3408 | 2025-01-22 18:34 | 2025-02-07 11:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Ø an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within xxx days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/06/2025 <br> Counter-xxx report provided fails to include charges paid to affiliate of lender in the High Cost Testing\*\*\*\*\*Per xxx: A creditor is required to count in points and fees any charges retained by the creditor, loan originator, or an affiliate. Fees included in High Cost Testing are: Administration Fee (Lender) xxx + Title Insurance Policy (Affiliate) xxx + Points - Loan Discount (Lender) xxx + Settlement or Closing Fee (Affiliate) + Endorsement (Affiliate) xxx = $xxx . Violation $xxx. - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. This loan is not High Cost but is an approved xxx/xxx xxx, see attached xxx. - Seller-01/29/2025 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of xxx% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-02/06/2025 <br> Ready for Review-Document Uploaded. This loan is not High Cost but is an approved ATR/QM HPML, see attached xxx. - Seller-01/29/2025 | Resolved-xxx an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within 30 days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% 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 - 23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15810127 | xxx | xxx D B A C | Closed | finding-3399 | 2025-01-22 18:34 | 2025-02-07 11:15 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Ø an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within xxx days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/06/2025 <br> Open-\*\*\*\*\*Per xxx: A creditor is required to count in points and fees any charges retained by the creditor, loan originator, or an affiliate. Fees included in High Cost Testing are: Administration Fee (Lender) xxx + Title Insurance Policy (Affiliate) xxx + Points - Loan Discount (Lender) xxx + Settlement or Closing Fee (Affiliate) + Endorsement (Affiliate) xxx = $xxx. Violation $xxx . - Due Diligence Vendor-01/24/2025 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-02/06/2025<br>| Resolved-xxx an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within 30 days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% 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 - 23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15810127 | xxx | xxx D B A C | Closed | finding-3406 | 2025-01-22 18:34 | 2025-02-07 11:15 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Ø an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within xxx days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/06/2025 <br> Counter-Ø If the HC fail is due only to upxxx points & fees charged and the rate is within the threshold, and it's address within xxx days of consummation OR within xxx days of the creditor's discovery/notification… Lender can issue a restitution check to borrower to make them whole. If they also want a "clear CE Report", then they will also need a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). But the PCCD is not required for resolution only the check is needed to make the loan satisfy the requirements of 15 U.S.C. 1631-1651. Thank you. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-if we add a lender credit accordingly, will that be sufficient to clear this condition? - Seller-02/03/2025 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a xxx RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; or The loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; or The High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. \*\*\*\*\*Per xxx: A creditor is required to count in points and fees any charges retained by the creditor, loan originator, or an affiliate. Fees included in High Cost Testing are: Administration Fee (Lender) xxx + Title Insurance Policy (Affiliate) xxx + Points - Loan Discount (Lender) xxx + Settlement or Closing Fee (Affiliate) + Endorsement (Affiliate) xxx = $xxx. Violation $xxx. - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. - Seller-02/06/2025 <br>Ready for Review-if we add a lender credit accordingly, will that be sufficient to clear this condition? - Seller-02/03/2025<br>| Resolved-xxx an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within 30 days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% 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 - 23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15810127 | xxx | xxx D B A C | Closed | finding-3393 | 2025-01-22 18:34 | 2025-02-07 11:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Ø an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within 30 days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/06/2025 <br> Open-\*\*\*\*\*Per xxx: A creditor is required to count in points and fees any charges retained by the creditor, loan originator, or an affiliate. Fees included in High Cost Testing are: Administration Fee (Lender) xxx+ Title Insurance Policy (Affiliate) xxx + Points - Loan Discount (Lender) xxx+ Settlement or Closing Fee (Affiliate) + Endorsement (Affiliate) xxx = $xxx. Violation $xxx. - Due Diligence Vendor-01/24/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is $xxx or more, and the transaction's total points and fees is $xxx, which exceeds xxx percent of the total loan amount of $xxx; or The loan amount is less than $xxx and the transaction's total points and fees is $xxx, which exceeds the lesser of xxx percent of the total loan amount of $xxx or $xxx. - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-02/06/2025<br>| Resolved-xxx an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within 30 days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% 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 - 23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15810127 | xxx | xxx D B A C | Closed | finding-3632 | 2025-01-22 18:34 | 2025-02-07 11:12 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/06/2025 <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: Endorsement Fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. - Seller-02/06/2025<br>| Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-02/07/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% 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 - 23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15810127 | xxx | xxx D B A C | Closed | finding-3631 | 2025-01-22 18:34 | 2025-02-07 11:12 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/06/2025 <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: Endorsement Fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. - Seller-02/06/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-02/07/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% 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 - 23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15810127 | xxx | xxx D B A C | Closed | finding-3634 | 2025-01-22 18:34 | 2025-02-07 11:12 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/06/2025 <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 $xxx.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: Endorsement Fee (paid to affiliate) resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. - Seller-02/06/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-02/07/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% 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 - 23 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12756133 | xxx | xxx D A | Closed | FCRE1503 | 2025-01-24 11:41 | 2025-02-27 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided for 1st Lien - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Please see attached Mortgage Statement confirming the 1st mortgage payment consist of PITIA. We ask this condition please be cleared - Seller-02/26/2025 <br>Open-Provide current mortgage statement for subject 1st mortgage. Needed to verify what actual P&I on 1st mtg is. - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. Please see attached Mortgage Statement confirming the 1st mortgage payment consist of PITIA. We ask this condition please be cleared - Seller-02/26/2025<br>| Resolved-Mortgage statement provided for 1st Lien - Due Diligence Vendor-02/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.17 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 64.02% 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 - 10.38 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 - 10.37 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12756133 | xxx | xxx D A | Closed | FCRE5782 | 2025-01-23 09:58 | 2025-02-05 11:08 | 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-02/05/2025 <br> Ready for Review-Document Uploaded. Please see attached DataVerify report, pulled xxx, which was valid through Funding Date - Seller-02/04/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/23/2025 | Ready for Review-Document Uploaded. Please see attached xxx report, pulled xxx, which was valid through Funding Date - Seller-02/04/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.17 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 64.02% 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 - 10.38 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 - 10.37 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15106488 | xxx | xxx D B A C | Closed | finding-3634 | 2025-01-24 17:16 | 2025-02-24 15:14 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 <br> Counter-Thank you. The trigger is that the xxx disclosed on xxx, was removed from the Final Closing Disclosure. xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Please see comments on bottom of Page xxx , for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 <br> Counter-A xxx 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. xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. Please see attached CD with a $xxx xxx - Seller-01/29/2025 <br> Open-The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance xxx in the amount of $xxx . Please provide COC event details dated within xxx days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 <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 $xxx .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-01/24/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 <br> Ready for Review-Please see comments on bottom of Page xxx, for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 <br> Ready for Review-Document Uploaded. Please see attached CD with a $xxx xxx - Seller-01/29/2025 | Cured-Curative PCCD received - Due Diligence Vendor-02/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.07% 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 45 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 - 19.25 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 - 5.55 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15106488 | xxx | xxx D B A C | Closed | finding-3652 | 2025-01-24 17:16 | 2025-02-24 15:13 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Curative PCCD received - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 <br> Counter-Thank you. The trigger is that the xxx disclosed on xxx, was removed from the Final Closing Disclosure. xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Please see comments on bottom of Page xxx, for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 <br> Counter-A xxx 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 $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. Please see attached CD which includes a $xxx xxx - Seller-01/29/2025 <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 $xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 <br> Ready for Review-Please see comments on bottom of Page xxx , for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 <br> Ready for Review-Document Uploaded. Please see attached CD which includes a $xxx xxx - Seller-01/29/2025 | Cured-Curative PCCD received - Due Diligence Vendor-02/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.07% 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 45 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 - 19.25 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 - 5.55 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15106488 | xxx | xxx D B A C | Closed | finding-3631 | 2025-01-24 17:16 | 2025-02-21 08:50 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 <br> Counter-Thank you. The trigger is that the xxx disclosed on xxx, was removed from the Final Closing Disclosure. xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Please see comments on bottom of Page xxx, for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 <br> Counter-A xxx 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 $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. Please see attached CD with the $xxx cure - Seller-01/29/2025 <br> Open-The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance xxx in the amount of $xxx . Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 <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-01/24/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 <br> Ready for Review-Please see comments on bottom of Page xxx, for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 <br> Ready for Review-Document Uploaded. Please see attached CD with the $xxx xxx - Seller-01/29/2025 | Cured-Curative PCCD received - Due Diligence Vendor-02/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.07% 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 45 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 - 19.25 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 - 5.55 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15106488 | xxx | xxx D B A C | Closed | finding-3632 | 2025-01-24 17:16 | 2025-02-21 08:50 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 <br> Counter-Thank you. The trigger is that the xxx disclosed on xxx, was removed from the Final Closing Disclosure. xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Please see comments on bottom of Page xxx, for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 <br> Counter-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. xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. Please see attached CD with a $xxx cure - Seller-01/29/2025 <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 $xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 <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-01/24/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 <br> Ready for Review-Please see comments on bottom of Page xxx, for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 <br> Ready for Review-Document Uploaded. Please see attached CD with a $xxx xxx - Seller-01/29/2025 | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-02/21/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.07% 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 45 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 - 19.25 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 - 5.55 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16779489 | xxx | xxx D A C | Closed | FPRO4876 | 2025-01-31 16:21 | 2025-02-04 11:32 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/04/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-02/04/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/04/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.5% 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 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16779489 | xxx | xxx D A C | Closed | finding-2962 | 2025-01-30 15:08 | 2025-02-04 08:03 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/04/2025 <br> Open-Lender to provide supporting documentation evidencing that borrower received the Appraisal at least 3 business days prior to closing. - Due Diligence Vendor-01/31/2025 <br> Open-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, xxx Financial Code Division 1.9 4995(a))<br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxx Financial Code.<br> While the xxx Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-02/04/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.5% 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 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16779489 | xxx | xxx D A C | Closed | finding-3352 | 2025-01-30 15:08 | 2025-02-04 08:03 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/04/2025 <br>Open-Lender to provide supporting documentation evidencing that borrower received the Appraisal at least 3 business days prior to closing. - Due Diligence Vendor-01/31/2025 <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-01/30/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-02/04/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.5% 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 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15144075 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18112751 | xxx | xxx D A | Closed | FCOM1227 | 2025-02-06 10:31 | 2025-03-12 07:42 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/12/2025 <br>Ready for Review-Document Uploaded. Please see attached Letter of Intent to Re-record MTG with signed PUD Rider - Seller-03/11/2025 <br>Open-PUD Rider is Missing Executed PUD Rider missing. - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Please see attached Letter of Intent to Re-record MTG with signed PUD Rider - Seller-03/11/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/12/2025<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 - 6.08 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.6 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 64.1% 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 - 13.25 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16898352 | xxx | xxx C A | Closed | FCRE1195 | 2025-02-06 08:47 | 2025-03-05 14:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 69.83% is less than or equal to Guideline CLTV of 70% - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. Please see attached mortgage statement reporting a loan balance of $xxx, resulting in a CLTV of less than 70%. - Seller-03/04/2025 <br> Open-Audited CLTV of 70.05% exceeds Guideline CLTV of 70%. Loan shows approved with CLTV of 69.531% however, that is based on the 1st mortgage lien at $xxx. Mortgage statement provided shows the first loan balance is $xxx as of xxx. - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Please see attached mortgage statement reporting a loan balance of $xxx, resulting in a CLTV of less than 70%. - Seller-03/04/2025 | Resolved-Audited CLTV of 69.83% is less than or equal to Guideline CLTV of 70% - Due Diligence Vendor-03/05/2025<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 - 7.13 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 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.89% 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 21.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17630328 | xxx | xxx D A | Closed | FCRE1159 | 2025-02-07 13:04 | 2025-03-11 21:34 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Document Uploaded. Cert of site visit provided. - Due Diligence Vendor-03/12/2025 <br> Unable to Resolve-Unable to Resolve-The agent cannot get us a historical binder. Today is xxx and the policy is valid as of xxx - xxx. The policy provided is a renewal, so the prior xxx days was covered. - Seller-02/11/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-02/07/2025 | Unable to Resolve-Unable to Resolve-The agent cannot get us a historical binder. Today is xxx and the policy is valid as of xxx - xxx. The policy provided is a renewal, so the prior xxx days was covered. - Seller-02/11/2025 | Resolved-Document Uploaded. Cert of site visit provided. - Due Diligence Vendor-03/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.79% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.61 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 59.88% 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 - 13 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 - 19.25 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17630328 | xxx | xxx D A | Closed | FCRE1325 | 2025-02-07 13:17 | 2025-02-12 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. Guidelines say CPA letter or business license, verifying xxx years of continuous self employment. We selected the business license option, I have attached again here for ease of use. - Seller-02/11/2025 <br> Open-Borrower 1 CPA Letter Missing. - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. Guidelines say CPA letter or business license, verifying xxx years of continuous self employment. We selected the business license option, I have attached again here for ease of use. - Seller-02/11/2025 | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-02/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.79% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.61 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 59.88% 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 - 13 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 - 19.25 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15100964 | xxx | xxx D A | Closed | FCRE8639 | 2025-02-12 12:43 | 2025-02-28 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved- - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Please note that the loan was vested in the borrower's name as an individual and not an xxx; therefore, a personal guaranty is not required. - Seller-02/28/2025 <br> Open-Personal Guaranty is Missing. Guaranty is missing from loan file. - Due Diligence Vendor-02/12/2025 | Ready for Review-Please note that the loan was vested in the borrower's name as an individual and not an xxx ; therefore, a personal guaranty is not required. - Seller-02/28/2025 |  | 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 - 7.59 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.94 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 42.02% 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 xxx is Greater Than The Guideline Minimum Of 660 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 0.1 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11841028 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16596346 | xxx | xxx D A | Closed | FPRO4876 | 2025-02-14 08:41 | 2025-02-24 12:26 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. See attached PDF - Seller-02/24/2025 <br> Counter-Unable to open attachment, Please reupload. - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/14/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx.<br> - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. See attached PDF - Seller-02/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/14/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 | 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 - 20.86 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.59 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 - 22 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.92% 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 - 20.87 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16596346 | xxx | xxx D A | Closed | FCRE5782 | 2025-02-11 17:54 | 2025-02-18 13:24 | 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-02/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/14/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report dated within xxx days of the note is Missing. - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/14/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/18/2025<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 - 20.86 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.59 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 - 22 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.92% 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 - 20.87 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13275728 | xxx | xxx C A | Closed | FPRO9736 | 2025-02-14 13:01 | 2025-02-20 13:44 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review provided. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. - Seller-02/20/2025 <br> Counter-Document Uploaded. Guidelines require a Desk review.<br> - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. Do you require the filed review due to AVM with xxx score?<br> Appraised Value - $xxx<br> AVM value - $ xxx<br> Less than xxx %. - Seller-02/14/2025 <br> Open-Desk review is missing from the loan file. Please provide. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. - Seller-02/20/2025 <br> Ready for Review-Document Uploaded. Do you require the filed review due to AVM with xxx score?<br> Appraised Value - $xxx<br> AVM value - $ xxx <br> Less than xxx %. - Seller-02/14/2025 | Resolved-Desk review provided. - Due Diligence Vendor-02/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.4 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 - 26.16 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 - 25.88 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 22.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.jpg<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19931313 | xxx | xxx D A | Closed | FCRE1193 | 2025-02-14 17:35 | 2025-04-14 10:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 44.36% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. Please see atttached - Seller-04/11/2025 <br> Counter-Document Uploaded. The Income worksheet for 'xxx xxx xxx xxx" deposits/excluded deposits are not in order by month - Please provide the corrected Income worksheet in order to verify the correct deposits. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.502% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025 <br> Open-Audited DTI of 59.46% exceeds Guideline DTI of 50% Variance due to difference's between lender deposit exclusions in xxx statement income calculation. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please see atttached - Seller-04/11/2025 <br>Ready for Review-Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.502% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025<br>| Resolved-Audited DTI of 44.36% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025<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 - 10.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.36% 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 - 10.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.jpg<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19931313 | xxx | xxx D A | Closed | FCRE6737 | 2025-02-14 16:42 | 2025-03-27 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-Proof of New Business account for "xxx xxx xxx xxx ' Provided. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. Please see attached xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx. - Seller-03/26/2025 <br> Counter-Document Uploaded. Business xxx Statements Only - borrower is to provide the "most recent" xxx or xxx months consecutive business xxx statements. "Loan Closed xxx " also The xxx xxx B/S for xxx xxx xxx states Account has been closed. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional xxx statements are not required. - Seller-02/26/2025 <br> Open-Proof of new account needed to verify continued operation of xxx xxx xxx . Per xxx xxx statement in file account was closed. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Please see attached xxx xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx. - Seller-03/26/2025 <br> Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional bank statements are not required. - Seller-02/26/2025 | Resolved-Proof of New Business account for "xxx' Provided. - Due Diligence Vendor-03/27/2025 | 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 - 10.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.36% 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 - 10.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.jpg<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19931313 | xxx | xxx D A | Closed | FCRE7497 | 2025-02-14 11:20 | 2025-02-27 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement & HOI Provided. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx . property owned by the borrower is in fact xxx - xxx xxx xxx. Please see attached for the HOI and Mtg Statements for xxx - xxx xxx xxx and xxx-xxx xxx. - Seller-02/26/2025 <br> Open-Missing hazard and tax for xxx xxx . Accord Insurance Policy in file indicates for xxx-xxx xxx xxx and not for xxx xxx xxx, need to verify xxx is insured by this policy. Missing hazard and tax for xxx xxx . - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx - xxx xxx xxx . Please see attached for the HOI and Mtg Statements for xxx-xxx xxx xxx and xxx - xxx xxx. - Seller-02/26/2025 | Resolved-Mortgage statement & HOI Provided. - Due Diligence Vendor-02/27/2025<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 - 10.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.36% 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 - 10.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19931313 | xxx | xxx D A | Closed | FCOM1511 | 2025-02-14 16:01 | 2025-02-19 14:18 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Note & Final CD's provided for xxx-xxx xxx xxx and Final CD for xxx xxx xxx & xxx xxx xxx xxx. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2025 <br> Open-Note and Settlement Statements for xxx (xxx xxx), xxx (xxx xxx .), xxx (xxx xxx). - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2025<br>| Resolved-Note & Final CD's provided for xxx and Final CD for xxx & xxx. - Due Diligence Vendor-02/19/2025 | 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 - 10.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.36% 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 - 10.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11611769 | xxx | xxx D A | Closed | FCRE1193 | 2025-02-18 12:09 | 2025-04-14 10:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 42.48% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-04/11/2025 <br> Counter-Document Uploaded. The Income worksheet for 'xxx xxx xxx xxx" deposits/excluded deposits are not in order by month - Please provide the corrected Income worksheet in order to verify the correct deposits. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.501% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025 <br> Open-Audited DTI of 57.61% exceeds Guideline DTI of 50% Variance due to difference's between lender deposit exclusions in xxx statement income calculation. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. see attached - Seller-04/11/2025 <br>Ready for Review-Document Uploaded. Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.501% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025<br>| Resolved-Audited DTI of 42.48% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.48% 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 - 10.25 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 0.23<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.78 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 - 10.25 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11611769 | xxx | xxx D A | Closed | FCRE6737 | 2025-02-18 12:10 | 2025-03-27 09:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-Proof of New Business account for "xxx xxx xxx xxx' Provided. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. Please see attached xxx xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx. - Seller-03/26/2025 <br> Counter-Document Uploaded. Per Guidelines: Business xxx Statements Only - borrower is to provide the "most recent" xxx or xxx months consecutive business xxx statements. "Loan Closed xxx " also The xxx xxx B/S for xxx xxx xxx states Account has been closed. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional xxx statements are not required. - Seller-02/26/2025 <br> Open-Proof of new account needed to verify continued operation of xxx xxx xxx. Per xxx xxx xxx statement in file account was closed. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please see attached xxx xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx. - Seller-03/26/2025 <br> Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional bank statements are not required. - Seller-02/26/2025 | Resolved-Proof of New Business account for "xxx' Provided. - Due Diligence Vendor-03/27/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.48% 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 - 10.25 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 0.23<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.78 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 - 10.25 Years |  | xxx.jpg<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11611769 | xxx | xxx D A | Closed | FCRE7497 | 2025-02-12 18:34 | 2025-02-27 07:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statements, Final CD and Notes provided. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx - xxx xxx xxx. - Seller-02/26/2025 <br> Open-Missing tax and insurance documentation for the following properties: 1. xxx xxx xxx xxx , 2. xxx xxx xxx , 3. xxx xxx xxx xxx, xxx xxx xxx , xxx xxx xxx xxx, xxx xxx xxx , and xxx - xxx xxx xxx .<br> - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. Please see attached. Please note the correct address for the xxx xxx . property owned by the borrower is in fact xxx - xxxFront Street. - Seller-02/26/2025 | Resolved-Mortgage statements, Final CD and Notes provided. - Due Diligence Vendor-02/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.48% 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 - 10.25 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 0.23<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.78 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 - 10.25 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11611769 | xxx | xxx D A | Closed | FCRE1503 | 2025-02-18 12:12 | 2025-02-27 07:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statements provided - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 <br> Open-Missing mortgage statements for xxx xxx and xxx xxx. The xxx xxx statements provided do not include the property address associated with the liens. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025<br>| Resolved-Mortgage statements provided - Due Diligence Vendor-02/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.48% 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 - 10.25 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 0.23<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.78 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 - 10.25 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11611769 | xxx | xxx D A | Closed | FCOM4247 | 2025-02-18 11:53 | 2025-02-27 07:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | HUD-1 Closing Statement missing or unsigned | Resolved-Notes and Final CD's provided. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 <br> Open-Missing Note and Settlement Statement for the following properties: 1. xxx xxx xxx xxx, xxx xxx xxx and xxx xxx xxx xxx. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025<br>| Resolved-Notes and Final CD's provided. - Due Diligence Vendor-02/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.48% 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 - 10.25 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 0.23<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.78 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 - 10.25 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18507930 | xxx | xxx D A | Closed | FCRE1193 | 2025-02-14 16:54 | 2025-04-14 11:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 48.06% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. See attached - Seller-04/11/2025 <br> Counter-Document Uploaded. The Income worksheet for 'xxx xxx xxx xxx " deposits/excluded deposits are not in order by month - Please provide the corrected Income worksheet in order to verify the correct deposits. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.502% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025 <br> Open-Audited DTI of 70.47% exceeds Guideline DTI of 50% TPR DTI worksheets are in file. TPR came up with alot less income - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. See attached - Seller-04/11/2025 <br>Ready for Review-Document Uploaded. Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.502% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025<br>| Resolved-Audited DTI of 48.06% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025<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 - 10.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% 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 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.jpg<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18507930 | xxx | xxx D A | Closed | FCRE6737 | 2025-02-14 16:44 | 2025-03-27 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-Proof of New Business account for "xxx' Provided. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. Please see attached xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx . - Seller-03/26/2025 <br> Counter-Per Guidelines: Business xxx Statements Only - borrower is to provide the "most recent" 24 or 12 months consecutive business xxx statements. "Loan Closed xxx " also The xxx xxx B/S for xxx xxx xxx states Account has been closed. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional xxx statements are not required. - Seller-02/26/2025 <br> Open-Letter of explanation (Income): Proof of new account needed to verify continued operation of xxx xxx xxx . Per xxx xxx xxx statement in file account was closed. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Please see attached xxx xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx . - Seller-03/26/2025 <br> Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx . Therefore, additional bank statements are not required. - Seller-02/26/2025 | Resolved-Proof of New Business account for "xxx' Provided. - Due Diligence Vendor-03/27/2025 | 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 - 10.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% 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 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18507930 | xxx | xxx D A | Closed | FCRE7497 | 2025-02-14 16:47 | 2025-02-27 07:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement provided. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx - xxx xxx xxx . Please see attached for the HOI and Mtg Statements for xxx-xxx xxx xxx and xxx-xxx xxx . - Seller-02/26/2025 <br> Open-Missing hazard and tax for xxx xxx . Accord Insurance Policy in file indicates for xxx - xxx xxx xxx and not for xxx xxx xxx , need to verify xxx is insured by this policy. Missing hazard and tax for xxx xxx . - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx-xxx xxx xxx. Please see attached for the HOI and Mtg Statements for xxx-xxx xxx xxx and xxx-xxx xxx. - Seller-02/26/2025 | Resolved-Mortgage statement provided. - Due Diligence Vendor-02/27/2025<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 - 10.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% 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 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18507930 | xxx | xxx D A | Closed | FCRE1764 | 2025-02-14 16:56 | 2025-02-27 07:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement & HOI Provided. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx . property owned by the borrower is in fact xxx - xxx xxx xxx . Please see attached for the HOI and Mtg Statements for xxx-xxx xxx xxx . - Seller-02/26/2025 <br> Open-Per xxx xxx xxx Statement xxx xxx xxx with a balance of $xxx, no address is associated. (This appears to be possibly xxx AND xxx - xxx xxx xxx mtgs combined) - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx-xxx xxx xxx. Please see attached for the HOI and Mtg Statements for xxx-xxx xxx xxx. - Seller-02/26/2025 | Resolved-Mortgage statement & HOI Provided. - Due Diligence Vendor-02/27/2025<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 - 10.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% 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 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18507930 | xxx | xxx D A | Closed | FCOM1233 | 2025-02-14 16:48 | 2025-02-27 07:57 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-Mortgage statements provided - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx . property owned by the borrower is in fact xxx - xxx xxx xxx . Please see attached for the HOI and Mtg Statements for xxx - xxx xxx xxx and xxx - xxx xxx . - Seller-02/26/2025 <br> Open-Missing hazard and tax for xxx xxx . Accord Insurance Policy in file indicates for xxx - xxx xxx xxx and not for xxx xxx xxx , need to verify xxx is insured by this policy. Missing hazard and tax for xxx xxx . - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx-xxx xxx xxx. Please see attached for the HOI and Mtg Statements for xxx-xxx xxx xxxand xxx-xxx xxx. - Seller-02/26/2025 | Resolved-Mortgage statements provided - Due Diligence Vendor-02/27/2025<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 - 10.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% 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 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18507930 | xxx | xxx D A | Closed | FCRE1503 | 2025-02-13 08:37 | 2025-02-20 07:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement & HOI provided for xxx xxx & xxx xxx (both commercial properties) & Note & CD for xxx xxx & xxxxxx St. (New 2nd Liens) - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2025 <br> Open-Provide the following for each property listed that is missing from file: 1) Provide the following for xxx xxx xxx , Provide current mortgage statement to reflect balance, P&I and taxes and insurance if included. If TIA is not included provide supporting docs. Borrower is in process of taking a second mtg on this subject with lender, must provide final CD, estimated CD and / or Note 2) Provide the following for xxx-xxx xxx xxx , Provide current mortgage statement reflecting breakdown, if T&I is not escrowed provide supporting documentation. 3) Provide the following for xxx xxx xxx xxx , Provide final CD, estimated CD and / or Note for new 2nd with lender. 4) Provide for xxx-xxx xxx xxx , Provide new final CD/estimated CD and / or Note for new 2nd mtg with lender. 4) Provide the following for xxx xxx xxx xxx xxx, Provide new final CD/estimated CD and / or Note for new 2nd mtg with lender. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2025<br>| Resolved-Mortgage statement & HOI provided for xxx & xxx (both commercial properties) & Note & CD for xxx & xxx. (New 2nd Liens) - Due Diligence Vendor-02/20/2025 | 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 - 10.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% 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 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18507930 | xxx | xxx D A | Closed | FCOM1513 | 2025-02-14 16:46 | 2025-02-20 07:44 | Resolved | 1 - Information C A | Compliance | Closing Package | Closing/Settlement Disclosure Does Not Match Option Purchase Agreement | Resolved-Note & HUD provided for new loans xxx (xxx xxx), xxx (xxx xxx .), xxx (xxx xxx). xxx xxx xxx xxx xxx - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2025 <br> Open-Note and Settlement Statements for xxx (xxx xxx), xxx (xxx xxx .), xxx (xxx xxx). xxx xxx xxx xxx xxx- Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2025<br>| Resolved-Note & HUD provided for new loans xxx (xxx), xxx (xxx), xxx (xxx). xxx xxx - Due Diligence Vendor-02/20/2025 | 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 - 10.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% 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 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12599442 | xxx | xxx D A | Closed | FCRE1193 | 2025-02-18 12:31 | 2025-04-14 11:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 43.96% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. See attached - Seller-04/11/2025 <br> Counter-Document Uploaded. The Income worksheet for 'xxx xxx xxx xxx" deposits/excluded deposits are not in order by month - Please provide the corrected Income worksheet in order to verify the correct deposits. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.502% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025 <br> Open-Audited DTI of 58.92% exceeds Guideline DTI of 50% Variance due to difference's between lender deposit exclusions in xxx statement income calculation. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. See attached - Seller-04/11/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.502% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025 | Resolved-Audited DTI of 43.96% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025<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 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 - 10.25 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.jpg<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12599442 | xxx | xxx D A | Closed | FCRE6737 | 2025-02-18 12:35 | 2025-03-27 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-New Business xxx statement for 'xxx xxx xxx xxx " provided - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. Please see attached xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx. - Seller-03/26/2025 <br> Counter-Document Uploaded. Per Guidelines: Business xxx Statements Only - borrower is to provide the "most recent" 24 or 12 months consecutive business xxx statements. "Loan Closed xxx " also The xxx xxx B/S for xxx xxx xxx states Account has been closed. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional xxx statements are not required. - Seller-02/26/2025 <br> Open-Proof of new account needed to verify continued operation of xxx xxx xxx . Per xxx xxx xxx statement in file account was closed. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please see attached xxx xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx. - Seller-03/26/2025 <br> Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional bank statements are not required. - Seller-02/26/2025 | Resolved-New Business Bank statement for 'xxx" provided - Due Diligence Vendor-03/27/2025 | 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 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 - 10.25 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12599442 | xxx | xxx D A | Closed | FCRE7497 | 2025-02-18 10:56 | 2025-02-27 07:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement, Final CD's and Note provided. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 <br> Open-Missing Tax and Insurance statement for xxx , xxx , xxx xxx , xxx xxx , xxx xxx, xxx xxx and xxx xxx. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025<br>| Resolved-Mortgage statement, Final CD's and Note provided. - Due Diligence Vendor-02/27/2025<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 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 - 10.25 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12599442 | xxx | xxx D A | Closed | FCRE1503 | 2025-02-18 12:34 | 2025-02-27 07:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statements provided. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx - xxx xxx xxx. - Seller-02/26/2025 <br> Open-Missing mortgage statements for xxx xxx and xxx xxx . The xxx xxx statements provided reflect a balance and a payment, but the address is not associated. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please see attached. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx-xxx xxx xxx. - Seller-02/26/2025 | Resolved-Mortgage statements provided. - Due Diligence Vendor-02/27/2025<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 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 - 10.25 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12599442 | xxx | xxx D A | Closed | FCOM4247 | 2025-02-18 11:00 | 2025-02-27 07:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | HUD-1 Closing Statement missing or unsigned | Resolved-Note & Final CD provided for xxx, xxx, and x. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 <br> Open-Missing Settlement Statement and Note for xxx, xxx, and xxx. These three properties closed on or around the same date as subject. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025<br>| Resolved-Note & Final CD provided for xxx, xxx, and xxx. - Due Diligence Vendor-02/27/2025 | 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 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 - 10.25 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19354948 | xxx | xxx D A | Closed | FPRO4876 | 2025-02-20 17:10 | 2025-02-21 12:26 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. - Seller-02/21/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/21/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.62% 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 - 6.41 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.46 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 - 10.91 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 10.93 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19354948 | xxx | xxx D A | Closed | FCRE2109 | 2025-02-18 14:44 | 2025-02-21 12:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. - Seller-02/21/2025 <br>Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.62% 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 - 6.41 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.46 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 - 10.91 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 10.93 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17457029 | xxx | xxx D A C | Closed | FCOM1797 | 2025-02-14 14:09 | 2025-02-20 07:52 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Initial Disclosure package provided - Due Diligence Vendor-02/20/2025 <br> Ready for Review-SEE PAGE xxx OF THE INITIAL DISCLOSURE - Seller-02/20/2025 <br> Open-Service Provider List is Missing - Due Diligence Vendor-02/14/2025 | Ready for Review-SEE PAGE xxx OF THE INITIAL DISCLOSURE - Seller-02/20/2025 | Resolved-Initial Disclosure package provided - Due Diligence Vendor-02/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 27.59% 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 - 21.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% 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 35.1 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 - 10.25 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 - 6.11 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 0.23 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17457029 | xxx | xxx D A C | Closed | finding-3631 | 2025-02-19 15:02 | 2025-02-20 07:45 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 <br>Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 <br>Open-\*\*These finding is in relation to the delivery of the initial loan estimate. - Due Diligence Vendor-02/19/2025 <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-02/19/2025 | Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025<br>| Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 27.59% 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 - 21.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% 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 35.1 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 - 10.25 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 - 6.11 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 0.23 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17457029 | xxx | xxx D A C | Closed | finding-3632 | 2025-02-19 15:02 | 2025-02-20 07:45 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 <br>Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 <br>Open-\*\*These finding is in relation to the delivery of the initial loan estimate. - Due Diligence Vendor-02/19/2025 <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-02/19/2025 | Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025<br>| Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 27.59% 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 - 21.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% 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 35.1 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 - 10.25 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 - 6.11 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 0.23 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17457029 | xxx | xxx D A C | Closed | finding-3634 | 2025-02-19 15:02 | 2025-02-20 07:45 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 <br> Open-\*\*These finding is in relation to the delivery of the initial loan estimate. - Due Diligence Vendor-02/19/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.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-02/19/2025 | Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025<br>| Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 27.59% 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 - 21.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% 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 35.1 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 - 10.25 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 - 6.11 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 0.23 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17457029 | xxx | xxx D A C | Closed | finding-3635 | 2025-02-19 15:02 | 2025-02-20 07:45 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 <br> Open-\*\*These finding is in relation to the delivery of the initial loan estimate. - Due Diligence Vendor-02/19/2025 <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% ($xxx) 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-02/19/2025 | Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025<br>| Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 27.59% 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 - 21.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% 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 35.1 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 - 10.25 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 - 6.11 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 0.23 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17457029 | xxx | xxx D A C | Closed | finding-3515 | 2025-02-19 15:02 | 2025-02-20 07:45 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. SEE PAGE xxxFOR THE INITIAL LE - Seller-02/20/2025 <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 ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $xxx , regardless of the actual values on the disclosure.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. Earliest issued loan estimate in the file has an issued date of 1/21/2025. Documents in the file indicate that the loan application date is 12/4/xxx. Lender to provide a copy of the initial loan estimate and all initial disclosures issued within 3 business days from the application date. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. SEE PAGE xxx FOR THE INITIAL LE - Seller-02/20/2025 | Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 27.59% 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 - 21.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% 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 35.1 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 - 10.25 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 - 6.11 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 0.23 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17457029 | xxx | xxx D A C | Closed | FCOM1266 | 2025-02-14 14:09 | 2025-02-20 07:39 | 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-02/20/2025 <br>Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 <br>Open-\*\*These finding is in relation to the delivery of the initial loan estimate. - Due Diligence Vendor-02/19/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-02/14/2025 | Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 27.59% 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 - 21.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% 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 35.1 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 - 10.25 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 - 6.11 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 0.23 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18114177 | xxx | xxx D A | Closed | FPRO4876 | 2025-02-18 12:37 | 2025-02-24 14:01 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 35.75% 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 45.72 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 - 10.58 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 - 10.76 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12199125 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17889591 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 13256404 | xxx | xxx D A | Closed | FCRE7497 | 2025-02-17 08:42 | 2025-02-25 08:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-xxx search provided confirming xxx has no HOA fees. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. Please see attached screenshot from xxx confirming the property in question, xxx xxx. is a SFR and does not have HOA dues. - Seller-02/24/2025 <br>Open-HOA Dues is missing for property #xxx - Due Diligence Vendor-02/17/2025 | Ready for Review-Document Uploaded. Please see attached screenshot from xxx confirming the property in question, xxx xxx xxx xxx. is a xxx and does not have HOA dues. - Seller-02/24/2025 | Resolved-xxx search provided confirming xxx has no HOA fees. - Due Diligence Vendor-02/25/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 0.15<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 16.08% 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 41.51% 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 - 21.17 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 - 6.91 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13256404 | xxx | xxx D A | Closed | FCRE1316 | 2025-02-19 17:01 | 2025-02-25 08:16 | 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-02/25/2025 <br>Ready for Review-Please note according to the program guidelines, only wage earners and self-employed borrowers being qualified with full income documentation require a 3rd party VOE. The borrower is self-employed and was qualified using 12 months P&L; therefore, a 3rd party VOE was not required. - Seller-02/24/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing borrower 1 3rd party VOE prior to close. - Due Diligence Vendor-02/19/2025 | Ready for Review-Please note according to the program guidelines, only wage earners and self-employed borrowers being qualified with full income documentation require a 3rd party VOE. The borrower is self-employed and was qualified using 12 months P&L; therefore, a 3rd party VOE was not required. - Seller-02/24/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 0.15<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 16.08% 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 41.51% 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 - 21.17 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 - 6.91 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16686281 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18332962 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 18770698 | xxx | xxx B A | Closed | FCRE1200 | 2025-02-24 10:36 | 2025-02-24 10:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception approved for loan amount of $xxx below xxx minimum. - Due Diligence Vendor-02/24/2025 |  | Waived-Exception approved for loan amount of $xxx below xxx minimum. - Due Diligence Vendor-02/24/2025 | 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<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.09% Is Less Than The Guideline Maximum Of 85% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | LTV/CLTV would be 5% less than max. 24+ month credit history exceeds minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 11224596 | xxx | xxx D A C | Closed | FCOM4227 | 2025-02-20 09:03 | 2025-02-25 08:21 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD_ received, data entered, no additional compliance findings - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. - Seller-02/24/2025 <br>Open-Initial closing Disclosure is missing - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. - Seller-02/24/2025<br>| Resolved-ICD_ received, data entered, no additional compliance findings - Due Diligence Vendor-02/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 14.9% 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 0.17<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11224596 | xxx | xxx D A C | Closed | FCOM1266 | 2025-02-20 09:02 | 2025-02-25 08:14 | 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-02/25/2025 <br>Ready for Review-Document Uploaded. - Seller-02/24/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. - Seller-02/24/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 14.9% 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 0.17<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11224596 | xxx | xxx D A C | Closed | FCRE7497 | 2025-02-21 12:31 | 2025-02-25 07:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-2nd Lien First Payment Letter provided for xxx xxx xxx $xxx- Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. First payment letter uploaded - Seller-02/24/2025 <br> Open-: Provide new loan terms for 2nd mortgage with xxx , loan number xxx , to verify $xxx per month and balance of $xxx balance attached to property located at xxx xxx xxx as it was not in file at the time of review as seen on the final 1003. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. First payment letter uploaded - Seller-02/24/2025<br>| Resolved-2nd Lien First Payment Letter provided for xxx $xxx - Due Diligence Vendor-02/25/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 14.9% 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 0.17<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18274429 | xxx | xxx C A | Closed | finding-47 | 2025-02-21 09:46 | 2025-02-25 07:59 | 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-02/25/2025 <br>Ready for Review-Document Uploaded. - Seller-02/24/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*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-02/24/2025 | Ready for Review-Document Uploaded. - Seller-02/24/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/25/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.89 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 - 6.14 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 73.61% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17468613 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 16582318 | xxx | xxx D A | Closed | FCOM4227 | 2025-02-21 14:03 | 2025-02-26 09:25 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. - Seller-02/25/2025 <br>Open-Missing Initial Closing Disclosure. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-02/25/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/26/2025<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 - 17.75 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 - 17.96 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.75% 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<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 29.39% 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 63.07 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 xxx 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 0.12 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16582318 | xxx | xxx D A | Closed | FCOM1266 | 2025-02-21 14:01 | 2025-02-26 09:18 | 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-02/26/2025 <br>Ready for Review-Document Uploaded. - Seller-02/25/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-02/25/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/26/2025<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 - 17.75 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 - 17.96 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.75% 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<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 29.39% 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 63.07 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 xxx 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 0.12 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16582318 | xxx | xxx D A | Closed | FCOM1231 | 2025-02-20 16:01 | 2025-02-25 12:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. - Seller-02/25/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. - Seller-02/25/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/25/2025<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 - 17.75 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 - 17.96 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.75% 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<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 29.39% 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 63.07 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 xxx 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 0.12 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16582318 | xxx | xxx D A | Closed | FCRE1197 | 2025-02-21 12:52 | 2025-02-25 12:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. - Seller-02/25/2025 <br> Open-Audited FICO of is less than Guideline FICO of xxx Missing original credit report. Per 1008 mid score is xxx . - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. - Seller-02/25/2025<br>| Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 720 - Due Diligence Vendor-02/25/2025 | 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 - 17.75 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 - 17.96 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.75% 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<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 29.39% 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 63.07 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 xxx 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 0.12 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16582318 | xxx | xxx D A | Closed | FCRE5770 | 2025-02-20 17:32 | 2025-02-25 12:51 | 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-02/25/2025 <br>Ready for Review-Document Uploaded. - Seller-02/25/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. - Seller-02/25/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/25/2025<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 - 17.75 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 - 17.96 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.75% 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<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 29.39% 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 63.07 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 xxx 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 0.12 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13560153 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10009073 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14540371 | xxx | xxx C A | Closed | FCRE1362 | 2025-02-21 13:28 | 2025-02-25 12:53 | Resolved | 1 - Information C A | Credit | Income | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Borrower 2 Paystubs Greater Than or Equal To 1 Month Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. - Seller-02/25/2025 <br>Open-Borrower 2 Paystubs Less Than 1 Month Provided on this file. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-02/25/2025<br>| Resolved-Borrower 2 Paystubs Greater Than or Equal To 1 Month Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/25/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.94% 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 - 12.01 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 - 6.92 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16146977 | xxx | xxx C A | Closed | FPRO1136 | 2025-02-21 12:08 | 2025-05-28 17:06 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Updated report provided addressing all remaining repairs. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. - Seller-05/28/2025 <br> Counter-Provide xxx/1004D when completed, listing the items that have been repaired. There are several items need to be addressed: wood trim scrape and repaint ($xxx) stairs need to be scraped and painted ($xxx) railing ends moisture damage - replace ($xxx) window trim needs to be replaced ($xxx) evidence of carpenter bees - replace ($xxx) damage clapboard - replace ($xxx) Cost to Cure: $xxx- Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. The appraiser has clarified that the only repair needed is for clapboards near the roof line that have damage from carpenter bees. I am attaching the revised report.<br>The borrower notified us that he hired a contractor to make this repair and complete additional work on the property. The work is scheduled to begin next week. They know that we need the xxx so he agreed to have the roofline damage fixed first. When it is complete we will send the appraiser back to inspect and complete a 1004d. <br> - Seller-05/15/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025 <br>Ready for Review-Document Uploaded. The appraiser has clarified that the only repair needed is for clapboards near the roof line that have damage from carpenter bees. I am attaching the revised report.<br>The borrower notified us that he hired a contractor to make this repair and complete additional work on the property. The work is scheduled to begin next week. They know that we need the rexxx so he agreed to have the roofline damage fixed first. When it is complete we will send the appraiser back to inspect and complete a 1004d. <br> - Seller-05/15/2025<br>| Resolved-Updated report provided addressing all remaining repairs. - Due Diligence Vendor-05/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.44% 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 - 9 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 - 16.44 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 - 16.77 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 11894605 | xxx | xxx D A | Closed | FCRE1503 | 2025-02-24 15:25 | 2025-02-27 08:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (xxx) & CBR Supplement Provided - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. - Seller-02/26/2025 <br> Open-Missing mortgage statement for xxx xxx xxx #xxx . - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. - Seller-02/26/2025<br>| Resolved-Mortgage statement (escrowed) & CBR Supplement Provided - Due Diligence Vendor-02/27/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.43 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 - 20.16 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 - 12.64 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15413860 | xxx | xxx C A | Closed | FPRO9736 | 2025-02-25 12:48 | 2025-03-19 13:18 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review provided. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. Please see attached Desk Review - Seller-03/18/2025 <br> Counter-Document Uploaded. xxx Guides for Investor Appraisal requirements state Full Appraisal or a 2055 Appraisal "and" Appraisal Desk Review. xxx options are Full appraisal or 2055 both require a Desk review for investment properties. Investor also goes by loan application - Initial app date is xxx - Unable to use the xxx matrix. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. Per guide, loan requires a Full Appraisal (1004, 1025, 1073), or a 2055 Appraisal and a Desk review would be required. We note that the loan file closed with a Full Appraisal, therefore a Desk review would not be needed. In addition, we note that VP's Matrix, as of xxx, has removed this requirement. Please see attached. - Seller-02/28/2025 <br> Counter-Document Uploaded. per xxx Guidelines: Investor - Full Appraisal (1004, 1025, 1073) or a 2055 Appraisal and Appraisal Desk Review supporting value within 10% variance. If the review variance is greater than 10%, the lower of the two is to be used to calculate CLTV. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-We respectfully disagree with the request for a desk review as it was not required. The appraised value was $xxx and the loan file contained the xxx with a $xxx estimated value which exceeded the appraised value used, even with xxx % confidence factor. Therefore, a desk review was not warranted to support the appraised value. - Seller-02/26/2025 <br> Open-Appraisal Desk Review is missing from the loan file. Please provide. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Please see attached Desk Review - Seller-03/18/2025 <br> Ready for Review-Document Uploaded. Per guide, loan requires a Full Appraisal (1004, 1025, 1073), or a 2055 Appraisal and a Desk review would be required. We note that the loan file closed with a Full Appraisal, therefore a Desk review would not be needed. In addition, we note that xxx xxx , as of xxx, has removed this requirement. Please see attached. - Seller-02/28/2025 <br> Ready for Review-We respectfully disagree with the request for a desk review as it was not required. The appraised value was $xxx and the loan file contained the AVM with a $xxx estimated value which exceeded the appraised value used, even with xxx% confidence factor. Therefore, a desk review was not warranted to support the appraised value. - Seller-02/26/2025 | Resolved-Desk review provided. - Due Diligence Vendor-03/19/2025<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 - 16.00 Years |  | xxx.jpg<br> xxx.pdf<br> xxx.jpg<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10800514 | xxx | xxx D A C | Closed | FCRE5783 | 2025-02-25 10:10 | 2025-02-27 09:13 | 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-02/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/27/2025<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 - 24.14 Years<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.18 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 - 24.13 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10800514 | xxx | xxx D A C | Closed | FCRE5782 | 2025-02-21 14:12 | 2025-02-27 09:13 | 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-02/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/27/2025<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 - 24.14 Years<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.18 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 - 24.13 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16919523 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18611771 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14220866 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16823754 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 13181072 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14670864 | xxx | xxx D A | Closed | FPRO4876 | 2025-02-25 15:18 | 2025-02-27 12:31 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. - Seller-02/27/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. - Seller-02/27/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/27/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.57 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 xxx 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 20.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.19% 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 - 27.13 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 - 27.14 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15080012 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12484496 | xxx | xxx D A C | Closed | finding-47 | 2025-02-24 15:45 | 2025-02-27 08:47 | 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-02/27/2025 <br>Ready for Review-Document Uploaded. - Seller-02/26/2025 <br>Open-The Final CD shows a funding date of 02/18/2025 - 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-02/26/2025 | Ready for Review-Document Uploaded. - Seller-02/26/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/27/2025<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 - 5.25 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 - 5.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.39% 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 21.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13017772 | xxx | xxx D A C | Closed | FCRE8611 | 2025-02-26 12:03 | 2025-02-27 09:58 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-Verification of CPA provided. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 <br>Open-Missing verification information for CPA that prepared P&L. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025<br>| Resolved-Verification of CPA provided. - Due Diligence Vendor-02/27/2025<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 - 7.71 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 0.15<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.46% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.03 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 - 15.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13017772 | xxx | xxx D A C | Closed | FPRO4876 | 2025-02-24 17:18 | 2025-02-27 09:56 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. (Previous xxx dated xxx showing no damage on page xxx) - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/27/2025 | 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 - 7.71 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 0.15<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.46% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.03 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 - 15.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15510979 | xxx | xxx C A | Closed | FCRE2994 | 2025-02-26 12:10 | 2025-02-28 12:03 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Lender provided updated 1008 - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. - Seller-02/27/2025 <br>Open-1008 does not reflect the P&I of 1st mortgage included in ratios, DTI variance. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. - Seller-02/27/2025<br>| Resolved-Lender provided updated 1008 - Due Diligence Vendor-02/28/2025<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 - 12.76 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.45 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 - 12.77 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.22% 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 xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11249929 | xxx | xxx D A | Closed | FPRO4876 | 2025-02-27 12:02 | 2025-03-06 14:45 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/06/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-03/06/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/06/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.19% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11249929 | xxx | xxx D A | Closed | FCRE5782 | 2025-02-25 08:18 | 2025-03-05 14:23 | 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-03/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is missing. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/05/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.19% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12732749 | xxx | xxx D A | Closed | FCRE5770 | 2025-02-25 12:51 | 2025-02-27 13:44 | 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-02/27/2025 <br>Ready for Review-Document Uploaded. - Seller-02/27/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. - Seller-02/27/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/27/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.42% 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 xxx 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 - 16.38 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.6% Is Below the Guideline Maximum Of 85% 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 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 - 16.58 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.75 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14299112 | xxx | xxx D B A | Closed | FCRE1195 | 2025-02-25 08:22 | 2025-03-06 11:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Approved Lender Exception: Matrix is at 75% CLTV - to allow CLTV of 79.719 - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. - Seller-03/05/2025 <br> Counter-Lock Rate provided however still missing the Approved Lender Exception. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. - Seller-03/04/2025 <br> Counter-An Approved Lender Exception is needed. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Will you accept an exception on this? - Seller-03/03/2025 <br> Counter-Document Uploaded. Subject Loan is a Primary 2nd Lien - Investor guides to be used are xxx xxx xxx xxx . Application date is xxx - Please see uploaded matrix. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. See the matrix below Applications dated xxx or later. - Seller-02/28/2025 <br> Counter-Lender exception needed to use later matrix. Lender guidelines are to use application date, this loan's application date is xxx. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. See the matrix - Seller-02/27/2025 <br> Open-Audited CLTV of 79.91% exceeds Guideline CLTV of 75% - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. - Seller-03/05/2025 <br> Ready for Review-Document Uploaded. - Seller-03/04/2025 <br> Ready for Review-Will you accept an exception on this? - Seller-03/03/2025 <br> Ready for Review-Document Uploaded. See the matrix below Applications dated xxx or later. - Seller-02/28/2025 <br> Ready for Review-Document Uploaded. See the matrix - Seller-02/27/2025 | Waived-Approved Lender Exception: Matrix is at 75% CLTV - to allow CLTV of 79.719 - Due Diligence Vendor-03/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 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 - 15.75 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 - 29.16 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 - 29.15 Years | Excellent credit,<br> Cash-out applied as reserves, <br> Good Residual income | xxx.png<br> xxx.png<br> xxx.jpg<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes | xxx |
| 14299112 | xxx | xxx D B A | Closed | FPRO4876 | 2025-02-25 08:05 | 2025-03-03 14:18 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. In 1008 Borrower given Comments For xxx SUBJ PROPERTY IS LOCATED NEXT TO xxx xxx xxx , xxx xxx xxx xxx xxx - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/03/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 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 - 15.75 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 - 29.16 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 - 29.15 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 14299112 | xxx | xxx D B A | Closed | FCRE1339 | 2025-02-26 10:04 | 2025-02-27 17:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower 1 Personal xxx Statements Provided - Due Diligence Vendor-02/27/2025 <br>Resolved-Lender provided. worksheet updated - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. See the attached xxx xxx Stmt - Seller-02/27/2025 <br>Open-Borrower 1 Personal xxx Statements Missing - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. See the attached xxx Bank Stmt - Seller-02/27/2025 | Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-02/27/2025 <br>Resolved-Lender provided. worksheet updated - Due Diligence Vendor-02/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 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 - 15.75 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 - 29.16 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 - 29.15 Years | File is missing xxx xxx xxx xxx xxx xxx #xxx account statement used to calculate income. | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 14299112 | xxx | xxx D B A | Closed | FCRE1437 | 2025-02-26 10:24 | 2025-02-27 17:17 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Lender provided additional information - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Borrowers is xxx - xxx, and the income generated from xxx xxx is industry standard to disburse xxx Income. See the attached docs. - Seller-02/27/2025 <br> Open-Income and Employment Do Not Meet Guidelines Guidelines require deposits to a personal account from sources other than self employment to be excluded. There is no evidence in the file xxx xxx is xxx xxx. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Borrowers is self-employed, and the income generated from xxx payroll is industry standard to disburse xxx Income. See the attached docs. - Seller-02/27/2025 | Resolved-Lender provided additional information - Due Diligence Vendor-02/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 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 - 15.75 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 - 29.16 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 - 29.15 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 11687486 | xxx | xxx D B A | Closed | FCRE1195 | 2025-02-26 13:39 | 2025-03-03 18:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Audited CLTV of 89.76% exceeds Guideline CLTV of 85% Audited CLTV of 89.84% exceeds Guideline CLTV of 85%. - Due Diligence Vendor-02/26/2025 |  | Acknowledged-Audited CLTV of 89.76% exceeds Guideline CLTV of 85% Audited CLTV of 89.84% exceeds Guideline CLTV of 85%. - Due Diligence Vendor-02/26/2025<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> 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 - 5.56 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.59 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 - 15.38 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.17 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Comp Factor #1 Mtg History dating back to xxx. No lates reported.<br> Comp Factor #2 Other Borrowers have owned subject for 10 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 11687486 | xxx | xxx D B A | Closed | FCOM1266 | 2025-02-26 15:44 | 2025-02-28 16:17 | 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-02/28/2025 <br>Ready for Review-Document Uploaded. here you go. - Buyer-02/28/2025 <br>Counter-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-02/28/2025 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*Please provide complete initial disclosure package - Due Diligence Vendor-02/26/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/28/2025<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> 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 - 5.56 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.59 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 - 15.38 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.17 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11687486 | xxx | xxx D B A | Closed | FCRE1503 | 2025-02-27 10:38 | 2025-02-28 16:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Lender provided - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-02/28/2025 <br> Open-Mortgage statement for subject property's first mortgage with xxx xxx is missing - Due Diligence Vendor-02/27/2025 |  | Resolved-Lender provided - Due Diligence Vendor-02/28/2025<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> 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 - 5.56 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.59 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 - 15.38 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.17 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15795471 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18818683 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11645136 | xxx | xxx D A | Closed | FCRE1342 | 2025-02-27 10:31 | 2025-03-06 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx Statements Provided - Due Diligence Vendor-03/06/2025 <br> Resolved-xxx #xxx for xxx xxx provided. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. - Seller-03/05/2025 <br> Counter-Document Uploaded. Is xxx xxx xxx statement for xxx #xxx not available? the B/S bring provided is for xxx #xxx - Please see screen shot of Lender Income worksheet - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. - Seller-03/04/2025 <br> Counter-Missing xxx xxx xxx xxx statement for xxx "xxx " the B/S provided is for a different account. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Counter-Document Uploaded. xxx xxx Deposits are included on the Lenders Worksheet - Missing From File. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. We don't need xxx xxx – we have xxx thru xxx xxx – See the Icome calculation worksheet.<br>- Seller-02/28/2025 <br> Open-xxx xxx xxx xxx xxx statement is missing A/c#xxx - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. - Seller-03/05/2025 <br> Ready for Review-Document Uploaded. - Seller-03/04/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Ready for Review-Document Uploaded. We don't need xxx xxx – we have xxx thru xxx – See the Icome calculation worksheet.<br>- Seller-02/28/2025 | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/06/2025 <br> Resolved-xxx #xxx for xxx provided. - Due Diligence Vendor-03/06/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.89% 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 31.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.jpg<br> xxx.pdf<br> xxx.pdf<br> xxx.jpg<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11645136 | xxx | xxx D A | Closed | FCRE7497 | 2025-02-26 15:28 | 2025-03-04 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax & Insurance Provided. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. Final Closing stmt attached<br> Loan closed xxx – no mortgage stmt.<br> Insurance attached.<br> Taxes attached. - Seller-03/03/2025 <br> Open- for the following property taxes and insurances <br> xxx xxx xxx xxx, xxx ,xxx , xxx - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Final Closing stmt attached<br> Loan closed xxx – no mortgage stmt.<br> Insurance attached.<br> Taxes attached. - Seller-03/03/2025 | Resolved-Tax & Insurance Provided. - Due Diligence Vendor-03/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.89% 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 31.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11702900 | xxx | xxx D A | Closed | FCRE7497 | 2025-02-26 03:43 | 2025-03-03 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Documents provided. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. tax Bill, xxx printout to show no HOA Dues & Property Profile - Seller-02/28/2025 <br> Open-Missing proof of Taxes and or HOA of $xxx for property xxx xxx xxx<br>\*\*LOX provided Page #xxx for Insurance \*\* - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. tax Bill, xxx printout to show no HOA Dues & Property Profile - Seller-02/28/2025 | Resolved-Property Documents provided. - Due Diligence Vendor-03/03/2025<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 - 8.78 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11702900 | xxx | xxx D A | Closed | FCRE2109 | 2025-02-26 02:28 | 2025-03-03 12:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx xxx Summary Provided - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. - Seller-02/28/2025 <br> Open-Missing Lender Worksheet or xxx xxx Summary in file. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. - Seller-02/28/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/03/2025<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 - 8.78 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11702900 | xxx | xxx D A | Closed | FCRE1342 | 2025-02-26 13:52 | 2025-03-03 12:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx xxx Provided - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. - Seller-02/28/2025 <br> Open-Borrower 1 Business xxx xxx Missing Missing xxx xxx xxx statement for xxx xxx xxx account #xxx. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. - Seller-02/28/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/03/2025<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 - 8.78 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11702900 | xxx | xxx D A | Closed | FCRE1437 | 2025-02-26 14:22 | 2025-03-03 12:23 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. Attached Closing Stmt - Netted $xxx<br>$20,000 on 10/21/xxx, - copy of the check for $xxx deposited xxx<br>$18,800 on 11/21/xxx - to follow<br>$22,000 on 12/16/xxx. There was no exception located in the file. – copy of the check for the $xxx xxx - Seller-02/28/2025 <br> Open-Income and Employment Do Not Meet Guidelines GL require large deposits inconsistent with history must be documented as business income. The 1008 indicates large deposits have been sourced and documented; however the file did not contain documentation for a $xxx deposit on xxx/xxx, $xxx on xxx, $xxx on xxx and $xxx on xxx. There was no exception located in the file. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Attached Closing Stmt - Netted $xxx<br>$xxx on xxx, - copy of the check for $xxx deposited xxx<br>$xxx on xxx - to follow<br>$xxx on xxx. There was no exception located in the file. – copy of the check for the $xxx xxx - Seller-02/28/2025 | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-03/03/2025<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 - 8.78 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11702900 | xxx | xxx D A | Closed | FCRE1158 | 2025-02-26 13:01 | 2025-03-03 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. - Seller-02/28/2025 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. The hazard insurance policy is cut off and the coverage amount is not visible for the subject property - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. - Seller-02/28/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/03/2025<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 - 8.78 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11702900 | xxx | xxx D A | Closed | FCRE1201 | 2025-02-25 23:52 | 2025-03-03 12:15 | 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-03/03/2025 <br>Ready for Review-Document Uploaded. attached - Seller-02/28/2025 <br>Open-Missing Third Party Fraud Report in file - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. attached - Seller-02/28/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/03/2025<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 - 8.78 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13517996 | xxx | xxx D A C | Closed | finding-47 | 2025-02-26 14:13 | 2025-03-13 07:47 | 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-03/13/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/12/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*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-02/28/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-03/12/2025<br>| Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-03/13/2025<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 - 11.70 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.92 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 - 11.71 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.15 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13517996 | xxx | xxx D A C | Closed | FCRE2109 | 2025-02-26 02:59 | 2025-03-05 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Please note the loan was approved using 12 months Profit and Loss income. The underwriter accordingly included comments on the 1008 Transmittal Summary noting the following "Profit and Loss income calculated as follows $xxx/ xxx= $xxx". An additional income worksheet/ xxx statement summary is not required. - Seller-03/04/2025 <br> Open-Missing Lender Worksheet or xxx Statement Summary Missing Lender Income Worksheet. - Due Diligence Vendor-02/26/2025 | Ready for Review-Please note the loan was approved using 12 months Profit and Loss income. The underwriter accordingly included comments on the 1008 Transmittal Summary noting the following "Profit and Loss income calculated as follows $xxx/ xxx = $xxx". An additional income worksheet/ bank statement summary is not required. - Seller-03/04/2025 | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/05/2025<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 - 11.70 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.92 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 - 11.71 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.15 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13517996 | xxx | xxx D A C | Closed | FCRE5790 | 2025-02-26 16:17 | 2025-03-05 12:07 | 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-03/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired. xxx with closing date of xxx. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/05/2025<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 - 11.70 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.92 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 - 11.71 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.15 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13078836 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19082908 | xxx | xxx D A C | Closed | finding-47 | 2025-02-26 16:16 | 2025-03-14 09:13 | 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-03/14/2025 <br> Ready for Review-Document Uploaded. See attached - Seller-03/13/2025 <br> Open-\*\*\*The Final CD shows a funding date of xxx - 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-02/28/2025 | Ready for Review-Document Uploaded. See attached - Seller-03/13/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/14/2025<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> 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 - 6.82 Years<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 26.85 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 56.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 19082908 | xxx | xxx D A C | Closed | FPRO4876 | 2025-02-27 10:22 | 2025-03-05 14:31 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate xxx xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025 <br> Open-Property is located in a xxx xxx xxx and xxx a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx xxx after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/05/2025 | 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> 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 - 6.82 Years<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 26.85 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 56.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 18724672 | xxx | xxx D B A | Closed | FCOM1263 | 2025-02-28 09:11 | 2025-03-03 08:48 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Partially Provided | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. see attached. - Seller-02/28/2025 <br>Open-Right of Rescission is Partially Provided \*\*copies of executed Notice of Right to Cancel for non-borrower do not have an executed date. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. see attached. - Seller-02/28/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/03/2025<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 - 11.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.61% 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 10.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18724672 | xxx | xxx D B A | Closed | FCRE5790 | 2025-02-26 13:41 | 2025-02-28 17:00 | 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-02/28/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-02/28/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Missing Gap report. - Due Diligence Vendor-02/26/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/28/2025<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 - 11.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.61% 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 10.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18724672 | xxx | xxx D B A | Closed | FPRO1242 | 2025-02-27 11:23 | 2025-02-28 11:59 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. see attached. was in the initial upload - Buyer-02/28/2025 <br> Open-Appraisal is Missing Missing xxx CU score in file. - Due Diligence Vendor-02/27/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-02/28/2025<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 - 11.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.61% 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 10.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18724672 | xxx | xxx D B A | Closed | FCRE1258 | 2025-02-27 11:47 | 2025-02-28 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-02/28/2025 <br>Open-Please verify Collateral Underwriter Score Provided is actually Missing. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-confused why this is asked for - Buyer-02/28/2025 <br>Open-Please verify Collateral Underwriter Score Provided is actually Missing. Missing Collateral Underwriter Score. - Due Diligence Vendor-02/27/2025 |  | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-02/28/2025<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 - 11.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.61% 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 10.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18724672 | xxx | xxx D B A | Closed | FCRE6019 | 2025-02-27 11:43 | 2025-02-27 11:43 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Waived-Borrower 1 xxx xxx Is Missing Exception approved for Borrower's xxx xxx not provided. - Due Diligence Vendor-02/27/2025 |  | Waived-Borrower 1 Citizenship Documentation Is Missing Exception approved for Borrower's Green Card not provided. - Due Diligence Vendor-02/27/2025<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 - 11.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.61% 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 10.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Fico xxx. DTI greater than 10% Below max. Stable line of work as xxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 17588157 | xxx | xxx D A | Closed | FPRO4876 | 2025-02-26 15:28 | 2025-03-03 12:47 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. - Seller-02/28/2025 <br> Open-Property is located in a xxx xxx xxx and xxx a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx xxx after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. - Seller-02/28/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/03/2025 | 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 Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.17 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.2% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.24 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 - 5.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19470434 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19456563 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 13561817 | xxx | xxx C A B | Closed | finding-47 | 2025-02-28 01:01 | 2025-03-04 08:32 | 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-03/04/2025 <br> Ready for Review-Document Uploaded. Enclosed is the PCCD with a disbursement date of xxx - Buyer-03/03/2025 <br> Counter-xxx that shows funding xxx has been provided, however, the PCCD for funding xxx has not been provided. Please provide PCCD to reflect final fee changes and correct disbursement date. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-not sure why this is noted. On xxx The borrower signed docs on xxx rescission ended on xxx due to the xxx xxx, loan funded on xxx as disclosed on the PCCD. I'm not sure what they are looking at here, it's correct. - Buyer-02/28/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-02/28/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/04/2025<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 - 39.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.2 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 - 18.22 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 34.38% Is Below the Guideline Maximum Of 85% 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 - 19.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 13561817 | xxx | xxx C A B | Closed | FCRE1182 | 2025-02-27 12:31 | 2025-03-03 10:56 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. Thanks - Buyer-02/28/2025 <br> Open-1008/Underwriting Summary Not Provided Provide the 1008 Underwriting Summary reflecting the loan amount of $xxx. - Due Diligence Vendor-02/27/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/03/2025<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 - 39.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.2 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 - 18.22 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 34.38% Is Below the Guideline Maximum Of 85% 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 - 19.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 11990492 | xxx | xxx D A | Closed | FPRO4876 | 2025-02-27 16:17 | 2025-03-05 14:36 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. - Seller-03/05/2025 <br> Counter-Document Uploaded. Subject Property Zip Code is xxx which is listed in the Zipcode document provided. a xxx-xxx xxx is required. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. - Seller-02/28/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx.<br> - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. - Seller-03/05/2025 <br>Ready for Review-Document Uploaded. - Seller-02/28/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/05/2025 | 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 - 25.31 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.35 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 - 25.32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | xxx.pdf<br> xxx.jpg<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14226155 | xxx | xxx C A | Closed | FPRO1245 | 2025-02-27 05:41 | 2025-03-10 12:25 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Recertification of Value provided, appraiser stating the following: I certify that I have performed a visual xxx of the subject property to determine if the conditions or requirements stated in the original<br> appraisal have been satisfied. dated xxx - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Counter-Missing recertification of value is needed/required from an appraiser, confirming that the original valuation of a property remains accurate by verifying if any conditions stipulated in the initial appraisal have been met, essentially checking if the property's value is still the same without recalculating a new market value. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. - Seller-03/04/2025 <br> Open-Primary Value Appraisal is Expired. Subject appraisal is xxx days old at the time of closing. Guidelines shows allowed up to 120 days and with re-certification of value 180 days allowed. A re-cert of value was not provided. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025 <br>Ready for Review-Document Uploaded. - Seller-03/04/2025<br>| Resolved-Recertification of Value provided, appraiser stating the following: I certify that I have performed a visual xxx of the subject property to determine if the conditions or requirements stated in the original<br> appraisal have been satisfied. dated xxx - Due Diligence Vendor-03/10/2025 | 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 - 11.31 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.23 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 - 10.90 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 - 21.58 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.69% 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 - 14.00 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16536009 | xxx | xxx C B A | Closed | finding-3634 | 2025-02-28 14:55 | 2025-03-12 10:55 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. - Seller-03/10/2025 <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 $xxx.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> \*\*\*\*\*\*\*\*Documentation provided indicates a Lock Date of xxx, however, \*\*\*\* 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. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. \*\*\* In lieu of having a locked Loan estimate, all Lock/Pricing based charge increases and/or Lender credit decreases, issued after the Initial Loan Estimate (issued xxx / not Locked), are subject to xxx% Tolerance. Potential CURE impact of no Locked LE or Locked LE issued out of timing = $xxx- Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/10/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-03/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.72% 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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 73.92% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16536009 | xxx | xxx C B A | Closed | finding-3631 | 2025-02-28 14:55 | 2025-03-11 07:30 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. - Seller-03/10/2025 <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. <br> \*\*\*\*\*\*\*\*Documentation provided indicates a Lock Date of xxx, however, \*\*\*\* 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. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. \*\*\* In lieu of having a locked Loan estimate, all Lock/Pricing based charge increases and/or Lender credit decreases, issued after the Initial Loan Estimate (issued xxx / not Locked), are subject to xxx% Tolerance. Potential CURE impact of no Locked LE or Locked LE issued out of timing = $xxx - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/10/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-03/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.72% 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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 73.92% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16536009 | xxx | xxx C B A | Closed | finding-3632 | 2025-02-28 14:55 | 2025-03-11 07:30 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. - Seller-03/10/2025 <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. <br> \*\*\*\*\*\*\*\*Documentation provided indicates a Lock Date of xxx, however, \*\*\*\* 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. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. \*\*\* In lieu of having a locked Loan estimate, all Lock/Pricing based charge increases and/or Lender credit decreases, issued after the Initial Loan Estimate (issued xxx / not Locked), are subject to xxx% Tolerance. Potential CURE impact of no Locked LE or Locked LE issued out of timing = $xxx- Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/10/2025<br>| Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.72% 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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 73.92% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18771197 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 14687491 | xxx | xxx D A C | Closed | FCRE5782 | 2025-02-27 17:20 | 2025-03-04 08:57 | 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-03/04/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide the Gap Credit Report for xxx xxx xxx. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.11% 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 - 6.81 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12448705 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16572306 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 19291640 | xxx | xxx D A | Closed | FCRE2109 | 2025-03-03 13:16 | 2025-03-06 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/05/2025 <br>Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-03/05/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/06/2025<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 - 10.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.88 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 0.08<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 5.25 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14727082 | xxx | xxx D A | Closed | FPRO4876 | 2025-03-04 12:33 | 2025-03-07 12:09 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of xxx xxx xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. - Seller-03/06/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. xxx xxx xxx xxx - xxx Incident Period: xxx xxx , xxx - xxx xxx , xxx, Declaration Date: xxx xxx, xxx - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/06/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/07/2025 | 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.5 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 xxx 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 - 10.48 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.83% 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 - 10.75 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13827497 | xxx | xxx C A | Closed | finding-3625 | 2025-03-04 10:18 | 2025-03-25 08:29 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Curative/clerical PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. - Seller-03/24/2025 <br>Ready for Review-Document Uploaded. Please see corrected CD - Seller-03/24/2025 <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. \*\*\*\*Section B of the Final CD has the Document Redraw Fee fee paid to the lender. Fees paid to the lender do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the lender for the benefit of a third party and provide supporting documentation and a corrected PCCD correcting the payee name. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/24/2025 <br>Ready for Review-Document Uploaded. Please see corrected CD - Seller-03/24/2025<br>| Resolved-Curative/clerical PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-03/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.05<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 - 6.82 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.83% 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 30.84 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 57.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11429613 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16262012 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15439394 | xxx | xxx D A | Closed | FPRO4876 | 2025-03-04 12:42 | 2025-03-06 14:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of xxx xxx xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. - Seller-03/06/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. xxx xxx xxx xxx , xxx xxx : xxx xxx , xxx - xxx xxx , xxx, Declaration Date: xxx xxx , xxx. The Appraisal is dated xxx , or xxx days after the xxx period end date of xxx xxx , xxx, the xxx period end date. The lender guidelines for xxx xxxs should be followed for xxx days from the xxx period end date or the date of the event, whichever is later. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/06/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/06/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.05% 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 11.71 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 - 24.50 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14524104 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17354295 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19904599 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12949342 | xxx | xxx D A | Closed | FCRE1467 | 2025-03-03 13:49 | 2025-03-06 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. Asset has been omitted/ borrower is not required to verify assets.<br> Corrected 1003/1008 has been uploaded. - Seller-03/05/2025 <br>Open-Asset 1 Missing Missing xxx statement verifying assets stated on F1003. - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. Asset has been omitted/ borrower is not required to verify assets.<br> Corrected 1003/1008 has been uploaded. - Seller-03/05/2025<br>| Resolved-Asset 1 Provided - Due Diligence Vendor-03/06/2025<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 - 20.26 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 - 20.26 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.8 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 18.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12949342 | xxx | xxx D A | Closed | FCRE1159 | 2025-03-03 12:11 | 2025-03-06 09:34 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx-xxx - xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. Pages xxx and xxx is the Current Policy for xxx-03/06/2025.<br>Pages xxx and xxx is the Renewal Policy for xxx -03/06/2026. - Seller-03/05/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. Pages xxx and xxx is the Current Policy for xxx-xxx.<br>Pages xxx and xxx is the Renewal Policy for xxx - xxx. - Seller-03/05/2025 | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/06/2025 | 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 - 20.26 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 - 20.26 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.8 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 18.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12949342 | xxx | xxx D A | Closed | FCRE1325 | 2025-03-04 16:14 | 2025-03-06 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/05/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter confirming years prepared taxes for borrower and % of ownership borrower has. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/05/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/06/2025<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 - 20.26 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 - 20.26 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.8 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 18.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12949342 | xxx | xxx D A | Closed | FCRE2109 | 2025-03-04 16:14 | 2025-03-06 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. - Seller-03/05/2025 <br> Open-Missing Lender Worksheet or xxx Statement Summary Missing underwriter's income worksheet. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/05/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/06/2025<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 - 20.26 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 - 20.26 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.8 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 18.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11137889 | xxx | xxx D A | Closed | FCRE2109 | 2025-03-04 08:13 | 2025-03-06 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/06/2025 <br>Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/06/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.13 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 - 8.30 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.18% 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 - 20.25 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 16106039 | xxx | xxx D A | Closed | FCRE1342 | 2025-03-04 16:54 | 2025-03-07 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx Statements Provided - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. - Seller-03/06/2025 <br> Open-Borrower 1 Business xxx Statements Missing xxx account #xxx xxx xxx statements for xxx, xxx , xxx , xxx and xxx xxx are missing from the file. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/06/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/07/2025<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 - 25.16 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 - 15.86 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 - 24.86 Years<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 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 - 8 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 11795637 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18812824 | xxx | xxx C A | Closed | FCRE1193 | 2025-03-05 16:02 | 2025-03-10 14:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.34% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. Rebut - please see attached. Concur that the P & L for the first mortgage was incorrect, but the total other debt was $xxx after the majority were paid off at closing. Revised 1008, final closing statement, and list of borrower's debt provided for your review. DTI is below 50% and meets guidelines. Thanks! - Buyer-03/10/2025 <br> Open-Audited DTI of 50.25% exceeds Guideline DTI of 50% - Due Diligence Vendor-03/05/2025 |  | Resolved-Audited DTI of 49.34% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/10/2025<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 - 8.41 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 |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16138433 | xxx | xxx D A | Closed | FCRE1827 | 2025-03-04 18:45 | 2025-03-14 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | US Driver's License or other US or foreign government-issued photo ID Incomplete | Resolved-The interim DL was issued before COE - Due Diligence Vendor-03/14/2025 <br> Ready for Review-The interim DL was issued before COE so we shouldn't need an exception. Note date is xxx. - Seller-03/13/2025 <br> Counter-At the time of closing the Borrower's Drivers License was expired, Borrower interim DL document provided however its dated xxx (issued)after Closing, Lender Approved Exception needed. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. Per our borrower, he is still waiting on his permanent one in the mail a/o xxx. - Seller-03/10/2025 <br> Open-xxx xxx DL is expired as of xxx - Due Diligence Vendor-03/04/2025 | Ready for Review-The interim DL was issued before COE so we shouldn't need an exception. Note date is xxx. - Seller-03/13/2025 <br> Ready for Review-Document Uploaded. Per our borrower, he is still waiting on his permanent one in the mail a/o xxx. - Seller-03/10/2025 | Resolved-The interim DL was issued before COE - Due Diligence Vendor-03/14/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 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 - 6.57 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 - 11.15 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19183225 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11571787 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18075600 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14001554 | xxx | xxx D A | Closed | FCRE4963 | 2025-03-05 12:01 | 2025-03-13 12:28 | Resolved | 1 - Information C A | Credit | Liabilities | No evidence of required debt payoff | Resolved-Guidelines require: A copy of the most current 1st mortgage statement is required to determine eligibility. Statement date to be within xxx days of Note date. Additional 1st mortgage documentation may be required to provide sufficient data for underwriting. (1st lien mortgage stmt located on page xxx showing deferred amount of $xxx - Loans in active forbearance or deferment. Deferred balance due to a documented hardship may remain open. (Lender provided Email from Bwr) Without documented hardship, deferred amounts must be paid through closing. Loans with negative amortization. Reverse mortgages.<br> - Balloon loans that the balloon payment comes due during the amortization period of the 2nd loan. Private Party.<br> - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. - Seller-03/12/2025 <br> Open-Missing evidence the deferred balance in the amount of $xxx appearing on the senior lien mortgage statement dated xxx was paid through closing. <br>Per the lender's guidelines, a copy of the most current 1st mortgage statement is required to determine eligibility. Statement date to be within xxx days of Note date. Additional 1st mortgage documentation may be required to provide sufficient data for underwriting. Loans in active forbearance or deferment, Deferred balance due to a documented hardship may remain open. Without documented hardship, deferred amounts must be paid through closing. <br>The loan file does not contain a documented hardship explanation for the deferred balance or evidence the deferred balance was paid through closing. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-Guidelines require: A copy of the most current 1st mortgage statement is required to determine eligibility. Statement date to be within 60 days of Note date. Additional 1st mortgage documentation may be required to provide sufficient data for underwriting. (1st lien mortgage stmt located on xxx showing deferred amount of $xxx - Loans in active forbearance or deferment. Deferred balance due to a documented hardship may remain open. (Lender provided Email from Bwr) Without documented hardship, deferred amounts must be paid through closing. Loans with negative amortization. Reverse mortgages.<br> - Balloon loans that the balloon payment comes due during the amortization period of the 2nd loan. Private Party.<br> - Due Diligence Vendor-03/13/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.37% 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 - 14.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14001554 | xxx | xxx D A | Closed | FCRE3978 | 2025-03-05 10:50 | 2025-03-10 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Signed LOE for Credit inquires provided. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Seller-03/10/2025 <br> Open-Missing Letter of Explanation for credit inquires within the most recent xxx days of the credit report date as required per the lender's guidelines, The loan file contains an unexecuted LOX. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. - Seller-03/10/2025<br>| Resolved-Signed LOE for Credit inquires provided. - Due Diligence Vendor-03/10/2025<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.37% 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 - 14.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12618340 | xxx | xxx D A | Closed | FCRE1827 | 2025-03-06 17:52 | 2025-03-10 09:29 | Resolved | 1 - Information D A | Credit | Missing Doc | US Driver's License or other US or foreign government-issued photo ID Incomplete | Resolved-Updated Patriot Act Form provided stating Bwr had a xxx extension form issues xxx, expiring now on xxx - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Open-xxx xxx Driver License is expired as of xxx. Date note was signed was xxx - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Updated Patriot Act Form provided stating Bwr had a DMV extension form issues xxx, expiring now on xxx - Due Diligence Vendor-03/10/2025 | 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 - 10.37 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 - 10.25 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.27% 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 - 5 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16470350 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13707828 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13388067 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10968362 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 14891739 | xxx | xxx C A | Closed | FCRE1726 | 2025-03-05 19:30 | 2025-04-09 13:25 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-Lender provided updated information and LOE. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 <br> Open-xxx<br> xxx xxx xxx is Non-Permanent Resident Alien id not provided. only provided Driving License. - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Lender provided updated information and LOE. - Due Diligence Vendor-04/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.25 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 0.08<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 14891739 | xxx | xxx C A | Closed | FCRE5790 | 2025-03-05 20:58 | 2025-03-10 14:11 | 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-03/10/2025 <br> Ready for Review-The PreClose Credit Report uploaded in the closed-loan package, starting on page xxx of xxx is dated xxx. Our Note date is xxx. Can you please clarify this condition? - Seller-03/10/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). As Per Guide line 15 days of the Note date. - Due Diligence Vendor-03/06/2025 | Ready for Review-The PreClose Credit Report uploaded in the closed-loan package, starting on page xxx of xxx is dated xxx. Our Note date is xxx. Can you please clarify this condition? - Seller-03/10/2025 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.25 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 0.08<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.01% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 14891739 | xxx | xxx C A | Closed | FCRE5791 | 2025-03-05 20:58 | 2025-03-10 14:11 | 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-03/10/2025 <br> Ready for Review-The PreClose Credit Report uploaded in the closed-loan package, starting on page xxx of xxx is dated xxx. Our Note date is xxx. Can you please clarify this condition? - Seller-03/10/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). As Per Guide line 15 days of the Note date. - Due Diligence Vendor-03/06/2025 | Ready for Review-The PreClose Credit Report uploaded in the closed-loan package, starting on page xxx of xxx is dated xxx. Our Note date is xxx. Can you please clarify this condition? - Seller-03/10/2025 | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-03/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.25 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 0.08<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.01% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 10051628 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19044507 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10137932 | xxx | xxx D A | Closed | FCRE1467 | 2025-03-05 13:06 | 2025-03-12 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. I uploaded the updated 1003 removing the assets they are not needed. xxx xxx , xxx . xxx- Seller-03/11/2025 <br> Counter-Document Uploaded. Final 1003 reflects xxxfunds from xxx xxx iao $xxx listed under assets however missing from the file. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Can you please clarify this condition? This is a C/O Refinance - Seller-03/10/2025 <br> Open-Asset 1 Missing - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. I uploaded the updated 1003 removing the assets they are not needed. xxx xxx, xxx . xxx - Seller-03/11/2025 <br> Ready for Review-Can you please clarify this condition? This is a C/O Refinance - Seller-03/10/2025 | Resolved-Asset 1 Provided - Due Diligence Vendor-03/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.78 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 36.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.99% 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 - 9.08 Years |  | xxx.jpg<br> xxx.jpg<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19106400 | xxx | xxx D A C | Closed | FCOM1252 | 2025-03-07 08:09 | 2025-03-12 08:02 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-03/12/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-03/11/2025 <br>Open-Initial LE is missing from file. No evidence that Loan Estimate was provided to borrower within 3 days of application. Lender to provided Initial Loan Estimate (Compliance review incomplete) - Due Diligence Vendor-03/07/2025 |  | Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-03/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.18 Are Greater Than The Guideline Minimum Of 0 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 - 20.22 Years<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 37.36% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 23.00 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 - 22.17 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12077235 | xxx | xxx D A | Closed | FCRE7497 | 2025-03-07 10:31 | 2025-03-11 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property report & HOI Policies provided. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. - Seller-03/10/2025 <br> Open-For the following Properties Taxes, Insurance and association dues are docs missing.<br> 1. xxx-xxx xxx xxx , xxx xxx, xxx, xxx<br> 2. xxx - xxx xxx xxx , xxx xxx, xxx , xxx<br> 3. xxx xxx xxx , xxx , xxx, xxx<br> 4. xxx xxx xxx , xxx xxx, xxx, xxx- Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-03/10/2025<br>| Resolved-Property report & HOI Policies provided. - Due Diligence Vendor-03/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 26.18 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 0.23<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 - 23.24 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 - 25.18 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19835747 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11584218 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15690228 | xxx | xxx C A | Closed | FCOM1252 | 2025-03-07 09:05 | 2025-03-12 08:10 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Locked LE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. COC LE was sent within 3 business days. We do not count xxx and xxx xxx we were closed due to the federal holiday - xxx xxx xxx xxx - Buyer-03/11/2025 <br> Open-COC dated 01/16/25 received due to rate lock changed but with 3 Business Day not received Loan Estimate / received Closing Disclosure. - Due Diligence Vendor-03/07/2025 |  | Resolved-Locked LE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-03/12/2025<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>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 - 17.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.98% 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 - 25.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16515923 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13197997 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16317910 | xxx | xxx C A | Closed | FCRE1197 | 2025-03-11 13:29 | 2025-03-14 08:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx- Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Seller-03/12/2025 <br> Open-Audited FICO of xxx is less than Guideline FICO of xxx Primary wage earner score used per guidelines - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-03/14/2025 | 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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 42.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10400959 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17081698 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12903079 | xxx | xxx D A | Closed | FCRE1186 | 2025-03-11 12:23 | 2025-03-25 10:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of 40.24% is less than or equal to AUS DTI of % - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. Credit supp removing the xxx xxx. - Seller-03/24/2025 <br> Open-Audit DTI of 46.24% does not match F1008 DTI of 44.433% due to F1008 "xxx xxx xxx" amount of $xxx does not match Audit "xxx xxx xxx" amount of $xxx . - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. Credit supp removing the lease vehicle. - Seller-03/24/2025<br>| Resolved-Audited DTI of 40.24% is less than or equal to AUS DTI of % - Due Diligence Vendor-03/25/2025<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 0.21<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 - 16.46 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 - 16.47 Years<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> 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 - 16.47 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.24% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 12903079 | xxx | xxx D A | Closed | FCRE1827 | 2025-03-07 19:02 | 2025-03-14 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | US Driver's License or other US or foreign government-issued photo ID Incomplete | Resolved-Updated DL provided. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Seller-03/14/2025 <br> Open-1st Borrower xxx xxx xxx Drivers License ID is expired. - Due Diligence Vendor-03/08/2025 | Ready for Review-Document Uploaded. - Seller-03/14/2025<br>| Resolved-Updated DL provided. - Due Diligence Vendor-03/14/2025<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 0.21<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 - 16.46 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 - 16.47 Years<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> 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 - 16.47 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.24% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 15606452 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15283377 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 13659585 | xxx | xxx C A | Closed | FPRO1245 | 2025-03-10 09:10 | 2025-03-15 15:20 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-03/15/2025 <br>Ready for Review-Document Uploaded. ATTACHED. - Seller-03/14/2025 <br>Open-Primary Value Appraisal is Expired Provide the updated appraisal report for the subjecy. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. ATTACHED. - Seller-03/14/2025<br>| Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-03/15/2025<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 - 21.19 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.05 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 68.14% Is Below the Guideline Maximum Of 80% 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 - 25.83 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 40.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15811570 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18479794 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12688669 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19159896 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 18686653 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16885191 | xxx | xxx C A | Closed | FCRE5790 | 2025-03-11 01:34 | 2025-03-27 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-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report dated xxx is expired. Note dated xxx. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/27/2025<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 - 8.35 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12390582 | xxx | xxx D A C | Closed | finding-3652 | 2025-03-12 00:52 | 2025-03-30 10:38 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC and xxx RCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <br> Counter-Thank you. Please Provide Revised Closing Disclosure issued xxx. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <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 ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Initial LE dated xxx reflects Lender Credit Fee $xxx however, Final CD dated xxx reflects the Lender Credit Fee $xxxThe fee has been decreased for Lender Credit. Required valid COC.<br> - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025 <br>Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-COC and xxx RCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.54% 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 0.05<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<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 - 20.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.29 Are Greater Than The Guideline Minimum Of 0 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 - 25.18 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.81 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.87% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx.pdf<br> xxx.pdf<br> xxx.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12390582 | xxx | xxx D A C | Closed | FPRO4876 | 2025-03-11 06:35 | 2025-03-25 12:45 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Per xxx directive, property located outside of xxx xxx xxx. xxx reflects no xxx or impact to marketability and is acceptable - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. - Seller-03/24/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. xxx xxx xxx (xxx)<br> Appraisal was completed onxxx.xxx xxx : xxx xxx, xxx- and continuing, Recertified xxx . - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. - Seller-03/24/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/25/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.54% 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 0.05<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<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 - 20.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.29 Are Greater Than The Guideline Minimum Of 0 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 - 25.18 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.81 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.87% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19067194 | xxx | xxx D A | Closed | FCRE1325 | 2025-03-13 13:19 | 2025-03-25 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/25/2025 <br> Ready for Review-A CPA letter and license is not required. We obtain proof of the business with the borrowers operating agreement. Please reference xxx on page xxx of the guidelines. - Seller-03/24/2025 <br> Open-Borrower 1 CPA Letter Missing CPA letter is missing, file did not contain copy of business license - Due Diligence Vendor-03/13/2025 | Ready for Review-A CPA letter and license is not required. We obtain proof of the business with the borrowers operating agreement. Please reference xxx on page xxx of the guidelines. - Seller-03/24/2025 | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/25/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.74% 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 38.67 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 - 7.04 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.05% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19067194 | xxx | xxx D A | Closed | FCRE1202 | 2025-03-13 13:15 | 2025-03-25 11:48 | 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-03/25/2025 <br>Ready for Review-Document Uploaded. - Seller-03/24/2025 <br>Open-Third Party Fraud Report Partially Provided Document provided but has been cut off and is not fully viewable - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/24/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/25/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.74% 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 38.67 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 - 7.04 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13612321 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10915462 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16168824 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15319711 | xxx | xxx D A | Closed | FCRE1180 | 2025-03-13 16:50 | 2025-03-17 13:37 | 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-03/17/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-HO-6 Insurance Policy is Missing Missing xxx-xxx n policy. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-03/17/2025<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 - 5.18 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.83% 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 36.79 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 43.23% 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 - 18.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12541219 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15232110 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16711312 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12350720 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11734191 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19861386 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11151228 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17320795 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16987725 | xxx | xxx C A | Closed | FPRO9736 | 2025-03-17 08:46 | 2025-03-26 09:59 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review provided. - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. - Seller-03/25/2025 <br>Counter-AVM in original file however exception is requesting a Desk review. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Seller-03/18/2025 <br>Open-Appraisal desk review is missing from loan file. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025 <br>Ready for Review-Document Uploaded. - Seller-03/18/2025<br>| Resolved-Desk review provided. - Due Diligence Vendor-03/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.46 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 - 17.02 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.21% 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 - 11.00 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 - 17.02 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11607023 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13409524 | xxx | xxx D A | Closed | FPRO1244 | 2025-03-17 15:52 | 2025-03-20 08:37 | 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-03/20/2025 <br>Ready for Review-Document Uploaded. - Seller-03/19/2025 <br>Open-Desk review is missing from loan file. Please provide. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/19/2025<br>| Resolved-Desk review provided. - Due Diligence Vendor-03/20/2025<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 - 7.48 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 - 21.17 Years<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13409524 | xxx | xxx D A | Closed | FVAL1310 | 2025-03-13 13:40 | 2025-03-20 08:37 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. - Seller-03/17/2025 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/18/2025<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 - 7.48 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 - 21.17 Years<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12837155 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10821042 | xxx | xxx D A | Closed | FCRE1330 | 2025-03-13 15:03 | 2025-03-21 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-03/18/2025<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 - 8.31 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.47% 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 - 19 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10821042 | xxx | xxx D A | Closed | FCRE1333 | 2025-03-18 09:00 | 2025-03-21 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. A copy of the attached WVOE was provided in the closed-loan package, page xxx of xxx. Kindly waive this condition. - Seller-03/18/2025 <br> Open-Missing WVOE used for Income qualifications. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. A copy of the attached WVOE was provided in the closed-loan package, page xxx of xxx . Kindly waive this condition. - Seller-03/18/2025 | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-03/19/2025<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 - 8.31 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.47% 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 - 19 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17830799 | xxx | xxx D A | Closed | FCRE1469 | 2025-03-13 19:24 | 2025-03-20 14:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Counter-Please provided updated 1003 & 1008 removing those assets/reserves - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Sorry I believe that was an input by mistake , there is no xxx xxx xxx - xxx #xxx with $xxx<br> Only assets are xxx xxx xxx#xxx and xxx xxx #xxx. $xxx has No impact on the loan. Please advise, thank you.<br> - Seller-03/19/2025 <br> Open-Asset 3 Missing - xxx xxx xxx - xxx #xxx iao $xxx. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Ready for Review-Sorry I believe that was an input by mistake , there is no xxx xxx xxx- xxx #xxx with $xxx<br> Only assets are xxx xxx xxx #xxxx and xxx xxx #xxx . $xxx has No impact on the loan. Please advise, thank you.<br> - Seller-03/19/2025 | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/20/2025<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 - 24.07 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.3 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 69.96% 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 - 18.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 19806250 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 10321131 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10822364 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19083970 | xxx | xxx C A | Closed | FCRE1193 | 2025-03-13 14:55 | 2025-03-20 08:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.92% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. Please note that our UW income calculation is based on WVOE from The Work# verification (attached), calculated based on Actual Total Earnings that were reported as of xxx, not from the paystubs since the paystubs do not clearly show total earnings.<br> The WVOE states the Borrower works hourly; average hours worked per pay period is xxx- used average income based on YTD and xxx.<br> YTD $xxx+ xxx $xxx/ xxx= $xxx Base income<br> YTD OT $xxx+ xxx OT $xxx/ xxx= $xxx OT income<br> Total income $xxx used<br> Please review and advise.<br> Thank you.<br> - Seller-03/19/2025 <br> Open-Audited DTI of 50.95% exceeds Guideline DTI of 50% Original approval submitted with DTI of 49.90%. Audited borrowers qualifying income is in the amount of $xxx and total monthly expenses of $xxx . Final DTI is at 50.95% and is exceeding minimum lending guide requirement of 50%. <br> - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Please note that our UW income calculation is based on WVOE from The Work# verification (attached), calculated based on Actual Total Earnings that were reported as of xxx, not from the paystubs since the paystubs do not clearly show total earnings.<br> The WVOE states the Borrower works hourly; average hours worked per pay period is xxx - used average income based on YTD and xxx.<br> YTD $xxx+ xxx $xxx / xxx = $xxx xxx income<br> YTD xxx $xxx + xxx OT $xxx / xxx = $xxx xxx income<br> Total income $xxx used<br> Please review and advise.<br> Thank you.<br> - Seller-03/19/2025 | Resolved-Audited DTI of 49.92% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/20/2025<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 - 18.53 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 - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.89 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 67.52% 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 - 13 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17179864 | xxx | xxx C A | Closed | finding-3408 | 2025-03-14 06:44 | 2025-03-24 08:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025 <br>Open-\*\*The loan failed the High-Cost points and fees test because it exceeded the threshold. Lender excluded the Notary fee from the test inclusion, per the final CD, the notary fee was paid to the lender's affiliate. - Due Diligence Vendor-03/17/2025 <br>Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-03/14/2025 |  | Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.86 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 25.6% 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 - 18.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.07% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17179864 | xxx | xxx C A | Closed | finding-3393 | 2025-03-14 06:44 | 2025-03-24 08:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025 <br> Open-\*\*The loan failed the High-Cost points and fees test because it exceeded the threshold. Lender excluded the Notary fee from the test inclusion, per the final CD, the notary fee was paid to the lender's affiliate. - Due Diligence Vendor-03/17/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is $xxx or more, and the transaction's total points and fees is $xxx , which exceeds xxx percent of the total loan amount of $xxx ; orThe loan amount is less than $xxx and the transaction's total points and fees is $xxx, which exceeds the lesser of 8 percent of the total loan amount of $xxx or $xxx . - Due Diligence Vendor-03/14/2025 |  | Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.86 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 25.6% 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 - 18.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.07% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17179864 | xxx | xxx C A | Closed | finding-3399 | 2025-03-14 06:44 | 2025-03-24 08:41 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025 <br>Open-\*\*The loan failed the High-Cost points and fees test because it exceeded the threshold. Lender excluded the Notary fee from the test inclusion, per the final CD, the notary fee was paid to the lender's affiliate. - Due Diligence Vendor-03/17/2025 <br>Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-03/14/2025 |  | Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.86 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 25.6% 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 - 18.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.07% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17179864 | xxx | xxx C A | Closed | finding-3406 | 2025-03-14 06:44 | 2025-03-24 08:41 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. - Seller-03/21/2025 <br>Counter-\*\*\*\*\*\*\* Please provide documentation/invoice for actual 3rd party notary, in order for this charge to be excluded from the HC testing calculation. - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Can you please clarify what is needed in order to cure and/or clear this condition? Are you asking for the Notary fee to be cured? - Seller-03/20/2025 <br>Open-\*\*The loan failed the High-Cost points and fees test because it exceeded the threshold. Lender excluded the Notary fee from the test inclusion, per the final CD, the notary fee was paid to the lender's affiliate. - Due Diligence Vendor-03/17/2025 <br>Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025 <br> Ready for Review-Can you please clarify what is needed in order to cure and/or clear this condition? Are you asking for the xxx fee to be cured? - Seller-03/20/2025 | Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.86 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 25.6% 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 - 18.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.07% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19676060 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14897520 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 12332126 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19806461 | xxx | xxx D A | Closed | FCRE1186 | 2025-03-17 08:47 | 2025-04-01 13:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of 49.98% is less than or equal to AUS DTI of 49.98% - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-04/01/2025 <br> Counter-the DTI increase is attributed to the Gap/Credit Refresh report dated xxx show "xxx#xxx" monthly payment increased from $xxx to $xxx - Audited Total payment $xxx + xxx xxx lxxx ss of $xxx = $xxx - 1008 reflects Other Monthly payment total as $xxx - that's a difference of $xxx - Due Diligence Vendor-03/26/2025 <br> Ready for Review-We are not coming up with that calculation. Can you please send me the figures you are using? - Seller-03/26/2025 <br> Counter-the xxx account has already been excluded in the ratios as being paid off at closing. the DTI increase is attributed to the Gap/Credit Refresh report dated xxx show xxx #xxx monthly payment increased from $xxx to $xxx - Audited Total payment $xxx + xxx xxx xxx of $xxx = $xxx - 1008 reflects Other Monthly payment total as $xxx - Due Diligence Vendor-03/21/2025 <br> Ready for Review-the xxx payoff is listed on the cd, page xxx and on the alta from title. - Seller-03/21/2025 <br> Counter-Document Uploaded. Gap/Credit Refresh report dated xxx show xxx #xxx monthly payment increased from $xxx to $xxx - Audited Total payment $xxx + xxx xxx xxx of $xxx = $xxx - 1008 reflects Other Monthly payment total as $xxx - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 <br> Open-Audited DTI of 51.12% exceeds AUS DTI of 49.98% Audited DTI of 50.5% exceeds AUS DTI of 49.98% No evidence of xxx loan paid prior to close or at closing. No copy of Final CD for 1st mtg that closed simultaneously. Difference in DTI is $xxx. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025 <br> Ready for Review-We are not coming up with that calculation. Can you please send me the figures you are using? - Seller-03/26/2025 <br> Ready for Review-the xxx payoff is listed on the cd, page xxx and on the xxx from title. - Seller-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 | Resolved-Audited DTI of 49.98% is less than or equal to AUS DTI of 49.98% - Due Diligence Vendor-04/01/2025<br>|  |  | xxx.pdf<br> xxx.jpg<br> xxx.jpg<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 19806461 | xxx | xxx D A | Closed | FCRE1503 | 2025-03-19 16:51 | 2025-03-21 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Final CD for Primary 1st Subject Lien (xxx) provided. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Open-File is missing mortgage statement or final CD for 1st mortgage that closed simultaneously. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025<br>| Resolved-Final CD for Primary 1st Subject Lien (Escrowed) provided. - Due Diligence Vendor-03/21/2025<br>|  |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 19806461 | xxx | xxx D A | Closed | FCRE1366 | 2025-03-19 16:22 | 2025-03-21 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 Award Letter Missing | Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Open-Borrower 2 Award Letter Missing B2 started with new employer xxx xxx. The offer letter is missing from the file. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025<br>| Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/21/2025<br>|  |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 15744560 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17944462 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14199920 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18508838 | xxx | xxx D A | Closed | FCRE1339 | 2025-03-19 17:59 | 2025-03-22 07:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower 1 Personal xxx Statements Provided - Due Diligence Vendor-03/22/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 <br> Open-File is missing statement for xxx xxx #xxx xxx - xxx. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-03/22/2025<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 - 9.95 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 - 21.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.86 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 - 27 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18508838 | xxx | xxx D A | Closed | finding-47 | 2025-03-18 16:53 | 2025-03-21 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. - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. - Seller-03/21/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. 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-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/21/2025<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 - 9.95 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 - 21.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.86 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 - 27 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18508838 | xxx | xxx D A | Closed | FCOM1233 | 2025-03-18 13:10 | 2025-03-21 07:58 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 <br> Open-The Final 1003 is Incomplete Page xxx of xxx is missing. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-03/21/2025<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 - 9.95 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 - 21.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.86 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 - 27 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16467041 | xxx | xxx C A | Closed | FCRE1293 | 2025-03-18 11:00 | 2025-03-30 10:39 | 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-03/30/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-03/29/2025 <br> Counter-Missing updated 1003 removing the "xxx" income of $xxx- Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Rebut - please see attached revised 1008. The approvals prior to CTC were included in the shipping package in error. Underwriter was able to approve the borrower with his W2 income only. Net loss from a business borrower owns should have been removed from the 1008, as that income wasn't used for qualifying. - Buyer-03/27/2025 <br> Open-Income 2 Months Income Verified is Missing Provide income documentation and worksheet to evidence the income loss of $xxx per month as seen on the 1003 and the 1008. 1003 states income as other and no description and review is not able to determine nor confirm accuracy. xxx Loan approval page xxx requests #xxx tax returns for xxx xxx xxx and xxx xxx xxx xxx, no further info in file or on later approvals. - Due Diligence Vendor-03/18/2025 |  | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/30/2025<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> 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 - 5.25 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.04 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 - 5.17 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.26% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16628381 | xxx | xxx D A | Closed | FCRE1365 | 2025-03-19 15:24 | 2025-03-21 12:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 IRS Transcripts Missing | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. - Seller-03/21/2025 <br>Open-Borrower 2 IRS Transcripts Missing - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/21/2025<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 - 7.60 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13096270 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18150128 | xxx | xxx D A | Closed | FPRO1242 | 2025-03-19 17:36 | 2025-03-26 09:51 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. xxx program requires either a xxx xxx OR an xxx and xxx . Subject loan included a full appraisal. Nothing else is needed. - Buyer-03/25/2025 <br> Open-Appraisal is Missing Missing Collateral Valuation. - Due Diligence Vendor-03/19/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-03/26/2025<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 - 14.84 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 - 10.42 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 - 10.94 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.12 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 65.02% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 11330523 | xxx | xxx D A | Closed | FCOM1233 | 2025-03-19 16:52 | 2025-03-28 07:15 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-03/27/2025 <br> Open-The Final 1003 is Incomplete Section xxx was not completed by the Borrower. - Due Diligence Vendor-03/19/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/28/2025<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.56% 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 Of 27.67% Is Below The Guideline Maximum Of 80% 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 - 5.35 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11330523 | xxx | xxx D A | Closed | FPRO1242 | 2025-03-19 16:58 | 2025-03-26 09:50 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-03/26/2025 <br>Ready for Review-see attached. - Buyer-03/25/2025 <br>Open-Appraisal is Missing Missing Collateral Valuation. - Due Diligence Vendor-03/19/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-03/26/2025<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.56% 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 Of 27.67% Is Below The Guideline Maximum Of 80% 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 - 5.35 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14543210 | xxx | xxx C B A | Closed | finding-3631 | 2025-03-20 14:45 | 2025-04-01 09:50 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\* Closing Fee paid to Affiliate, increased from the $xxx disclosed in the Initial Loan Estimate to an Initial Closing Disclosure and Final Closing Disclosure charge of $xxx . xxx % tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-03/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 20.48 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 72.09% Is Below the Guideline Maximum Of 85% 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 - 5.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14543210 | xxx | xxx C B A | Closed | finding-3634 | 2025-03-20 14:45 | 2025-04-01 09:50 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <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 $xxx.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). \*\*\*\*\*\*\*\*\*\*\*\*\*\* Closing Fee paid to Affiliate, increased from the $xxx disclosed in the Initial Loan Estimate to an Initial Closing Disclosure and Final Closing Disclosure charge of $xxx . xxx% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-03/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 20.48 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 72.09% Is Below the Guideline Maximum Of 85% 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 - 5.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14543210 | xxx | xxx C B A | Closed | finding-3632 | 2025-03-20 14:45 | 2025-03-27 13:13 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\* Closing Fee paid to Affiliate, increased from the $xxx disclosed in the Initial Loan Estimate to an Initial Closing Disclosure and Final Closing Disclosure charge of $xxx. xxx% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 20.48 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 72.09% Is Below the Guideline Maximum Of 85% 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 - 5.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12187840 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13864733 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12623597 | xxx | xxx C A | Closed | FCRE1193 | 2025-03-21 16:54 | 2025-03-26 14:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.97% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <br> Counter-Document Uploaded. Audit DTI of 51.96% appears to be due to 24 month xxx statement calculations - Audited income is $xxx vs xxx Income of $xxx. The Audited Included Totals match Lenders Totals. Please see attached Income worksheet. - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Please provide documentation that they have supporting this DTI calculation. - Seller-03/24/2025 <br> Open-Audited DTI of 51.96% exceeds Guideline DTI of 50% - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025 <br>Ready for Review-Please provide documentation that they have supporting this DTI calculation. - Seller-03/24/2025<br>| Resolved-Audited DTI of 49.97% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/26/2025<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 - 8.20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.67 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 56.81% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.jpg<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12594209 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18791821 | xxx | xxx C A | Closed | FPRO9736 | 2025-03-24 08:31 | 2025-03-28 13:42 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review provided - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. - Seller-03/28/2025 <br>Counter-Document Uploaded. Per Guidelines: New Full Appraisal or 2055 Appraisal and Appraisal Desk Review supporting value within 10% variance. Greater than 10% variance, use lower of two values - Due Diligence Vendor-03/25/2025 <br>Ready for Review-The SSR reports have a risk of CU 2.7 and LCA 1.0. Therefore, it was not required to order a Desk Review. This is a stand alone 2nd and it's not required. Please advise. Thank you. - Seller-03/24/2025 <br>Open-Appraisal Desk Review is missing from loan file. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025 <br> Ready for Review-The xxx reports have a risk of CU xxx and LCA xxx . Therefore, it was not required to order a Desk Review. This is a stand alone 2nd and it's not required. Please advise. Thank you. - Seller-03/24/2025 | Resolved-Desk review provided - Due Diligence Vendor-03/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.61% 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 43.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19322378 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12082533 | xxx | xxx D A C | Closed | FPRO9736 | 2025-03-24 11:44 | 2025-03-28 09:40 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review provided - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. - Seller-03/27/2025 <br>Counter-AVM provided (also in the Original file) however exception is requesting a "Desk Review" - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. - Seller-03/24/2025 <br>Open-Appraisal Desk Review is missing from the loan file. Please provide. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025 <br>Ready for Review-Document Uploaded. - Seller-03/24/2025<br>| Resolved-Desk review provided - Due Diligence Vendor-03/28/2025<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 - 12.20 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 - 12.20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.36 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 41.19% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12082533 | xxx | xxx D A C | Closed | FCOM1231 | 2025-03-19 13:08 | 2025-03-25 08:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. - Seller-03/24/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. - Seller-03/24/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/25/2025<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 - 12.20 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 - 12.20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.36 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 41.19% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17242534 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16971462 | xxx | xxx D A | Closed | FCOM1274 | 2025-03-20 14:01 | 2025-03-26 08:43 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Rebut-this is a 2nd lien in which the first is escrowed (see attached). Escrow waiver not required. - Buyer-03/25/2025 <br>Open-Escrow Waiver is Missing - Due Diligence Vendor-03/20/2025 |  | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-03/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.88 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19983858 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 13298825 | xxx | xxx D A | Closed | FCRE7497 | 2025-03-24 14:36 | 2025-03-25 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Report & Mortgage statement (escrowed) provided for xxx xxx xxx xxx - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. - Seller-03/24/2025 <br> Open-Provide supporting documentation to verify taxes, insurances and/or HOA dues for property located at xxx xxx xxx xxx - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/24/2025<br>| Resolved-Property Report & Mortgage statement (escrowed) provided for xxx - Due Diligence Vendor-03/25/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 35.71% 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 35.48 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 - 25.13 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 - 25.13 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12350234 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10261261 | xxx | xxx C A | Closed | finding-4001 | 2025-03-24 17:59 | 2025-03-28 18:19 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. There's a glitched on the LOS on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 <br> Open-\*\*\*\* Finding in relation to \*\*\* The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-03/24/2025 <br> Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the revised closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A xxx-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. There's a glitched on the xxx on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.26% 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 - 19.80 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 - 19.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.44 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 74.43% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10261261 | xxx | xxx C A | Closed | finding-3631 | 2025-03-24 17:59 | 2025-03-28 18:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. There's a glitched on the LOS on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 <br> Open-\*\*\*\* Finding in relation to \*\*\* The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-03/24/2025 <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-03/24/2025 | Ready for Review-Document Uploaded. There's a glitched on the xxx on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.26% 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 - 19.80 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 - 19.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.44 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 74.43% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10261261 | xxx | xxx C A | Closed | finding-3632 | 2025-03-24 17:59 | 2025-03-28 18:19 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. There's a glitched on the LOS on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 <br> Open-\*\*\*\* Finding in relation to \*\*\* The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-03/24/2025 <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-03/24/2025 | Ready for Review-Document Uploaded. There's a glitched on the xxx on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.26% 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 - 19.80 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 - 19.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.44 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 74.43% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10261261 | xxx | xxx C A | Closed | finding-3634 | 2025-03-24 17:59 | 2025-03-28 18:19 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. There's a glitched on the LOS on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxxof the CD - Seller-03/27/2025 <br> Open-\*\*\*\* Finding in relation to \*\*\* The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-03/24/2025 <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 $xxx.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-03/24/2025 | Ready for Review-Document Uploaded. There's a glitched on the xxx on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.26% 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 - 19.80 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 - 19.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.44 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 74.43% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10261261 | xxx | xxx C A | Closed | finding-3526 | 2025-03-24 17:59 | 2025-03-28 18:19 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. There's a glitched on the LOS on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 <br> Open-\*\*\* The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. There's a glitched on the xxx on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 | Resolved-Under TILA's §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.26% 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 - 19.80 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 - 19.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.44 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 74.43% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10342337 | xxx | xxx D A | Closed | FCRE1503 | 2025-03-21 14:38 | 2025-03-28 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-recently refinanced 1st Lien Note & Final HUD reflecting Taxes and Ins provided. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. Prior 1st mortgage was recently refinanced in xxx, with the first payment due in xxx. A copy of the note, along with the final HUD 1 showing the escrow amount for taxes and insurance, are attached and what was used to qualify the borrower ($xxx). - Buyer-03/27/2025 <br> Open-Missing mortgage statement from Select Portfolio Servicing to validate 1st P&I mortgage payment entered on Title section. - Due Diligence Vendor-03/21/2025 |  | Resolved-recently refinanced 1st Lien Note & Final HUD reflecting Taxes and Ins provided. - Due Diligence Vendor-03/28/2025<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 - 6.44 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 - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.69 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 75% 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 30.44% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17701377 | xxx | xxx D A | Closed | FCRE2109 | 2025-03-20 07:59 | 2025-03-26 09:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/25/2025 <br>Open-Missing Lender Worksheet or xxx Statement Summary xxx Statement worksheet missing for borrower. - Due Diligence Vendor-03/20/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/26/2025<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 - 10.04 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 - 10.03 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.12 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 - 6.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16987571 | xxx | xxx B A | Closed | FCRE8611 | 2025-03-24 16:08 | 2025-03-24 16:08 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Minimum expense factor - xxx% Subject - xxx% (Borrower is a xxx xxx xxx) <br>Comp Factor #1 LTV Max - xxx% Subject — xxx%<br> Comp Factor #2 Mtg Borrower has had mortgage since xxx. No later in the last xxx years <br>- Due Diligence Vendor-03/24/2025 |  | Waived-Minimum expense factor - 20% Subject - 10% (Borrower is a real estate agent) <br>Comp Factor #1 LTV Max - 80% Subject — 41.04%<br> Comp Factor #2 Mtg Borrower has had mortgage since xxx. No later in the last xxx <br>- Due Diligence Vendor-03/24/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40.28% Is Below the Guideline Maximum Of 80% 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 - 27.20 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 - 27.21 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 43.15% 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 - 17.50 Years | Comp Factor #1 LTV Max - 80% Subject — 41.04%<br> Comp Factor #2 Mtg Borrower has had mortgage since xxx. No later in the last 6 years  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 18948113 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18979575 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18353500 | xxx | xxx D A | Closed | FPRO4876 | 2025-03-25 10:23 | 2025-03-26 11:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Appraisal states: 3/17/25 The Subject has not been impacted in any form from the current open xxx xxxs in the Los Angeles xxx are of xxx - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. Appraisal completed on 3/4/25 which was after the xxx<br> Also, there is comment on the report - Seller-03/25/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Appraisal completed on xxx which was after the xxx<br> Also, there is comment on the report - Seller-03/25/2025 | Resolved-Appraisal states: xxx The Subject has not been impacted in any form from the current open xxx declared xxxs in the xxx County are of xxx - Due Diligence Vendor-03/26/2025 | 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 - 10.88 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 - 10.88 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.58 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<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.12% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10159689 | xxx | xxx D A | Closed | FCRE5782 | 2025-03-24 10:03 | 2025-04-01 08:32 | 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-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Per xxx xxx xxx: The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within xxx days of the Note date. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/01/2025<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 - 5.29 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.55 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 62.16% 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 - 5.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.63% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10159689 | xxx | xxx D A | Closed | FCRE5783 | 2025-03-24 10:03 | 2025-04-01 08:32 | 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-04/01/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Per xxx xxx xxx : The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within xxx days of the Note date. - Due Diligence Vendor-03/24/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/01/2025<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 - 5.29 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.55 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 62.16% 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 - 5.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.63% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19541631 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 10159657 | xxx | xxx D B A C | Closed | finding-3631 | 2025-03-25 11:25 | 2025-04-01 09:51 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-03/30/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* • A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Credit Report showing charge of $xxx was issued xxx. However the increased charge for a credit report was not disclosed to the borrower xxx. The additional/increase to disclosed charge(s) violates COC timing rules. xxx % tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-03/30/2025<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 - 18.71 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 - 18.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.03 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 - 5.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.24% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 10159657 | xxx | xxx D B A C | Closed | finding-3634 | 2025-03-25 11:25 | 2025-04-01 09:51 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/30/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <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 $xxx.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 revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Credit Report showing charge of $xxx was issued xxx. However the increased charge for a credit report was not disclosed to the borrower xxx. The additional/increase to disclosed charge(s) violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Cured-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/30/2025<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 - 18.71 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 - 18.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.03 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 - 5.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.24% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 10159657 | xxx | xxx D B A C | Closed | finding-3632 | 2025-03-25 11:25 | 2025-03-30 10:59 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/30/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* • A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Credit Report showing charge of $xxx was issued xxx. However the increased charge for a credit report was not disclosed to the borrower xxx. The additional/increase to disclosed charge(s) violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/30/2025<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 - 18.71 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 - 18.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.03 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 - 5.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.24% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 10158744 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10169566 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15889027 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10955196 | xxx | xxx D A | Closed | FPRO1244 | 2025-03-24 10:54 | 2025-03-31 14:13 | 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-03/31/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Open-Document Uploaded. Per xxx xxx xxx : Investor - Full Appraisal (1004, 1025, 1073) or a 2055 Drive-by Appraisal, "both requiring:" Appraisal Desk Review supporting value within 10% variance. Missing Desk review from the loan file. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Desk review provided. - Due Diligence Vendor-03/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.43% 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 xxx 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 - 12.05 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 - 12.05 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 - 25.52 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.62% 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 - 16.17 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10955196 | xxx | xxx D A | Closed | FCRE1161 | 2025-03-21 01:50 | 2025-03-28 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. - Seller-03/27/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.43% 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 xxx 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 - 12.05 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 - 12.05 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 - 25.52 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.62% 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 - 16.17 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12395857 | xxx | xxx D A | Closed | FCRE1201 | 2025-03-25 10:59 | 2025-03-26 12:24 | 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-03/26/2025 <br>Ready for Review-Document Uploaded. - Seller-03/25/2025 <br>Open-Missing Third Party Fraud Report Missing Fraud report - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.77 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 - 16.00 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 - 14.88 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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.33 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.7% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14196390 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19845135 | xxx | xxx D A C | Closed | FPRO4876 | 2025-03-21 13:52 | 2025-03-28 14:40 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of xxx xxx xxx. xxx reflects no xxx or xxx to marketability and is acceptable - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. see attached xxx - Buyer-03/28/2025 <br> Counter-Document Uploaded. Subject property Zip-code is xxx which is on the xxx xxx xxx List. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Rebut-subject property zip code is not on our xxx list (attached). - Buyer-03/27/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Subject Property xxx is xxx xxx xxx xxx xxx report is required. - Due Diligence Vendor-03/21/2025 |  | Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 40.78% 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 - 5.17 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.11% 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 21.89 Are Greater Than The Guideline Minimum Of 0 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 - 9.21 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> 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 - 9.21 Years |  | xxx.pdf<br> xxx.jpg<br> Rezaie #9399 - PDI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19845135 | xxx | xxx D A C | Closed | FCRE1193 | 2025-03-25 11:10 | 2025-03-26 14:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated CBR & 1008 provided. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. Please see attached updated 1008 and excerpt from borrower's credit report. The $xxx was tagged as a mortgage in error. - Buyer-03/26/2025 <br> Open-xxx end DTI variance due to F1008 proposed payment does not include $xxx for 2nd Mtg payment on Primary per F1003. - Due Diligence Vendor-03/25/2025 |  | Resolved-Updated CBR & 1008 provided. - Due Diligence Vendor-03/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 40.78% 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 - 5.17 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.11% 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 21.89 Are Greater Than The Guideline Minimum Of 0 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 - 9.21 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> 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 - 9.21 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11795061 | xxx | xxx D B C A | Closed | FCRE1195 | 2025-03-25 17:51 | 2025-03-28 09:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Approved Lender Exception: Exception to apply xxx CLTV guidelines for a max CLTV of 80% with loan amount up to $xxx - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <br> Open-Audited CLTV of 79.87% exceeds Guideline CLTV of 75% - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Waived-Approved Lender Exception: Exception to apply xxx CLTV guidelines for a max CLTV of 80% with loan amount up to $xxx - Due Diligence Vendor-03/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 13.86% 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 48.57 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 - 9.84 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 | Excellent credit, <br> High Residual Income, <br> Strong Reserves | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 11795061 | xxx | xxx D B C A | Closed | FCRE1199 | 2025-03-21 19:24 | 2025-03-28 09:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Approved Lender Exception: Exception to apply xxx CLTV guidelines for a max CLTV of 80% with loan amount up to $xxx - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <br> Counter-The Exception provided states it for a CLTV exception however the condition is for the Loan Amount exceeding the Max allowed of $xxx per the Matrix used dated xxx (Investor directive is to use the xxx date (xxx) for guidelines. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <br> Open-Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $xxx - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025 <br>Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Waived-Approved Lender Exception: Exception to apply xxx CLTV guidelines for a max CLTV of 80% with loan amount up to $xxx - Due Diligence Vendor-03/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 13.86% 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 48.57 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 - 9.84 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 | Excellent credit, <br> High Residual Income, <br> Strong Reserves | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 11795061 | xxx | xxx D B C A | Closed | finding-47 | 2025-03-25 13:52 | 2025-03-27 08:09 | 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-03/27/2025 <br>Ready for Review-Document Uploaded. - Seller-03/26/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 13.86% 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 48.57 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 - 9.84 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11795061 | xxx | xxx D B C A | Closed | FCRE7497 | 2025-03-21 20:09 | 2025-03-26 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Docs provided for xxx xxx xxx - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <br> Open-For the following Property Insurance and Association docs are missing<br> xxx xxx xxx, xxx xxx , xxx , xxx, xxx- Due Diligence Vendor-03/22/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-Property Docs provided for xxx - Due Diligence Vendor-03/26/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 13.86% 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 48.57 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 - 9.84 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16264293 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16547397 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14738390 | xxx | xxx D A C | Closed | FPRO9736 | 2025-03-26 15:23 | 2025-04-02 12:32 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-desk review provided. - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Counter-Exception is requesting a Desk review. - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. - Seller-03/27/2025 <br>Open-Desk review is missing from the loan file. Please provide. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-desk review provided. - Due Diligence Vendor-04/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 36.21% 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 - 28.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.18 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 - 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 - 30.15 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14738390 | xxx | xxx D A C | Closed | FCRE1503 | 2025-03-24 15:07 | 2025-04-02 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Note, Mortgage, First Payment Letter and Final CD's (escrowed) were provided for newly closed properties located at xxx xxx and xxx xxx- Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. xxx – xxx– xxx xxx – Funded xxx – Note,Deed & CD attached<br> xxx – xxx – xxx – Funded xxx – Note, Deed & CD attached. - Seller-04/02/2025 <br> Open-xxx xxx xxx and xxx xxx xxx These Properties Mortgage Statements are Not Found in the total full doc - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. xxx xxx – xxx – xxx xxx – Funded xxx – Note,Deed & CD attached<br> xxx xxx – xxx – xxx– Funded xxx – Note, Deed & CD attached. - Seller-04/02/2025 | Resolved-Note, Mortgage, First Payment Letter and Final CD's (escrowed) were provided for newly closed properties located at xxx and xxx - Due Diligence Vendor-04/02/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 36.21% 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 - 28.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.18 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 - 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 - 30.15 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14738390 | xxx | xxx D A C | Closed | FCRE5770 | 2025-03-24 14:00 | 2025-03-28 09:58 | 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-03/28/2025 <br>Ready for Review-Document Uploaded. - Seller-03/27/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 36.21% 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 - 28.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.18 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 - 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 - 30.15 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17390567 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16452400 | xxx | xxx D A C | Closed | FCRE1325 | 2025-03-26 11:40 | 2025-04-08 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Counter-Document Uploaded. The CPA letter is missing the following verbiage: CPA/CTEC/EA confirms they have prepared the most recent year's business tax return filing. - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Guidelines call for Letter to come from CPA/EA who prepared or reviewed the most recent 2 years. - Seller-04/01/2025 <br>Open-Borrower 1 CPA Letter Missing Missing Tax Preparer (EA) letter confirming they have prepared the most recent years tax returns, required by gl's for P&L only program. File contains Tax Preparer Letter reflecting financial statements only supplied. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Ready for Review-Guidelines call for Letter to come from CPA/EA who prepared or reviewed the most recent 2 years. - Seller-04/01/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.01 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 0.15 |  | xxx.jpg<br> xxx.jpg<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12022263 | xxx | xxx D A | Closed | FCRE7497 | 2025-03-26 12:10 | 2025-03-28 10:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement, Property report and HOI policy provided for xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx- Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <br> Open-Missing supporting documentation to verify P and I payment for property located at xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx- Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-Mortgage statement, Property report and HOI policy provided for xxx - Due Diligence Vendor-03/28/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.52% 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 - 5.08 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.94% 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 - 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 - 8.74 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17753795 | xxx | xxx D A C | Closed | finding-3631 | 2025-03-27 15:33 | 2025-03-30 11:16 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Final Closing Disclosure total of non-affiliate title and recording charges exceed 10% tolerance in the amount of xxx------ However, xxx Consummation Closing Disclosure balanced to the final charges (xxx xxx xxx) has not been provided. Please Provide xxx Consummation Closing Disclosure as balanced to the Final Settlement figures provided by title. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.02% 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 - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.32% 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 12.71 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 - 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 - 15.13 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17753795 | xxx | xxx D A C | Closed | finding-3632 | 2025-03-27 15:33 | 2025-03-30 11:16 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Final Closing Disclosure total of non-affiliate title and recording charges exceed 10% tolerance in the amount of xxx ------ However, xxx Consummation Closing Disclosure balanced to the final charges (xxx xxx xxx) has not been provided. Please Provide xxx Consummation Closing Disclosure as balanced to the Final Settlement figures provided by title. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.02% 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 - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.32% 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 12.71 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 - 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 - 15.13 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17753795 | xxx | xxx D A C | Closed | finding-3635 | 2025-03-27 15:33 | 2025-03-30 11:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <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% ($xxx) exceed the comparable charges ($xxx) 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). \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Final Closing Disclosure total of non-affiliate title and recording charges exceed 10% tolerance in the amount of xxx------ However, xxx Consummation Closing Disclosure balanced to the final charges (xxx xxx xxx) has not been provided. Please Provide xxx Consummation Closing Disclosure as balanced to the Final Settlement figures provided by title. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.02% 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 - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.32% 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 12.71 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 - 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 - 15.13 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17753795 | xxx | xxx D A C | Closed | FCOM1265 | 2025-03-27 15:40 | 2025-03-30 11:11 | Resolved | 1 - Information C A | Compliance | TILA | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-03/30/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <br> Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form \*\*\*\*\*\*\*\*\*\*\*\* Please provided executed NOTICE OF RIGHT TO CANCEL for xxx xxx - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-03/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.02% 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 - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.32% 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 12.71 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 - 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 - 15.13 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17753795 | xxx | xxx D A C | Closed | FCRE1316 | 2025-03-26 04:54 | 2025-03-28 14:29 | 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-03/28/2025 <br> Ready for Review-The WVOE in the loan file is dated xxx and the Note Date is xxx - this is within days of closing and a valid VOE. Please advise. - Seller-03/28/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/26/2025 | Ready for Review-The WVOE in the loan file is dated xxx and the Note Date is xxx - this is within days of closing and a valid VOE. Please advise. - Seller-03/28/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.02% 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 - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.32% 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 12.71 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 - 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 - 15.13 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12955456 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14087712 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11090039 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14039887 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19024790 | xxx | xxx C A | Closed | FVAL1715 | 2025-03-28 08:32 | 2025-03-31 11:44 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal Completed "Subject to but Improvements are Incomplete or Undocumented" | Resolved-The Original file contained a xxx xxx required by the appraiser stating: the appraisal report is being completed subject to a xxx xxx by an xxx professional to determine if there is an active xxx xxx or xxx xxx . The xxx xxx was located on page xxx stating after xxx of xxx , we found that there was no xxx xxx , images were provided. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-A copy of the xxx xxx , dated xxx stating "xxx xxx xxx " was provided in the closed-loan package PAGE xxx of xxx . Please review and advise. Thank you. - Seller-03/31/2025 <br> Open-In need of xxx report as stated on pg xxx - missing in file. appraiser stated roof damage in intitial appraisal. - Due Diligence Vendor-03/28/2025 | Ready for Review-A copy of the xxx CERT, dated xxx stating "no active leaks" was provided in the closed-loan package PAGE xxx of xxx . Please review and advise. Thank you. - Seller-03/31/2025 | Resolved-The Original file contained a Roof Inspection required by the appraiser stating: the appraisal report is being completed subject to a roof inspection by an inspection professional to determine if there is an active roof leak or roof damage. The Roof inspection was located on xxx stating after inspection of roof, we found that there was no active leaks, images were provided. - Due Diligence Vendor-03/31/2025 | Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 22.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14789543 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14075474 | xxx | xxx B A | Closed | FCOM1267 | 2025-03-28 07:12 | 2025-04-08 07:57 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Homeownership Counseling Disclosure Is Present - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <br> Open-Homeownership Counseling Disclosure Is Partially Provided Homeownership Counseling Disclosure Is Missing, lender to provide a copy of the disclosure and evidence it was provided to the borrower within 3 business days of the application date - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present - Due Diligence Vendor-04/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.05% 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 - 12 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 - 11.73 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14745848 | xxx | xxx D A | Closed | FCOM1263 | 2025-03-27 16:23 | 2025-04-04 06:32 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Partially Provided | Resolved-Right to Cancel form(s) do not require the xxx xxx verbiage in the signature lines, per lender comment of policy - Due Diligence Vendor-04/04/2025 <br> Ready for Review-A trustee would not have a right to cancel the loan, only the individual. Trustee is not an owner occupant and the trust has no primary residence? xxx confirmed the doc set is done correctly. This was done correctly. - Seller-04/03/2025 <br> Open-Right of Rescission is Partially Provided Right to Cancel form for both borrower and nonborrowing trustee, are missing the xxx xxx verbiage in the signature lines, parties have only sign as individuals. - Due Diligence Vendor-03/27/2025 | Ready for Review-A trustee would not have a right to cancel the loan, only the individual. Trustee is not an owner occupant and the trust has no primary residence? xxx confirmed the doc set is done correctly. This was done correctly. - Seller-04/03/2025 | Resolved-Right to Cancel form(s) do not require the Trust Authority verbiage in the signature lines, per lender comment of policy - Due Diligence Vendor-04/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.84% 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 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.59% 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 6.55 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 - 20 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 - 9.62 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17589659 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12411278 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12300213 | xxx | xxx C A | Closed | FCRE1195 | 2025-03-27 07:30 | 2025-04-02 14:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 64.9% is less than or equal to Guideline CLTV of 65% - Due Diligence Vendor-03/30/2025 <br> Ready for Review-Document Uploaded. Rebut-1st mortgage balance - $xxx + $xxx (subject loan) = $xxx /$xxx = xxx %. Attached statement even showed a lower balance for the first at closing. - Buyer-03/29/2025 <br> Open-Audited CLTV of 65.3% exceeds Guideline CLTV of 65% Updated as per Guideline - Due Diligence Vendor-03/27/2025 |  | Resolved-Audited CLTV of 64.9% is less than or equal to Guideline CLTV of 65% - Due Diligence Vendor-03/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.79 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 - 9.19 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12300213 | xxx | xxx C A | Closed | FCRE1196 | 2025-03-27 07:30 | 2025-04-02 14:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HCLTV of 64.9% is less than or equal to Guideline HCLTV of 65% - Due Diligence Vendor-03/30/2025 <br> Ready for Review-Document Uploaded. Rebut-1st mortgage balance - $xxx + $xxx (subject loan) = $xxx /$xxx = xxx %. Attached statement even showed a lower balance for the first at closing. - Buyer-03/29/2025 <br> Open-Audited HCLTV of 65.3% exceeds Guideline HCLTV of 65% Updated as per Guideline - Due Diligence Vendor-03/27/2025 |  | Resolved-Audited HCLTV of 64.9% is less than or equal to Guideline HCLTV of 65% - Due Diligence Vendor-03/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.79 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 - 9.19 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16707346 | xxx | xxx D A | Closed | FCRE7497 | 2025-03-26 10:25 | 2025-03-30 10:37 | 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-03/30/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-03/29/2025 <br> Open-Missing verification of insurance is missing for the property"xxx xxx xxx xxx " - Due Diligence Vendor-03/26/2025 |  | Resolved-HOI Policy provided. - Due Diligence Vendor-03/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 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 - 14.61 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 - 14.62 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16707346 | xxx | xxx D A | Closed | FCRE7347 | 2025-03-28 12:22 | 2025-03-30 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease Agreement provided for xxx xxx xxx xxx (2 year Lease agreement) verifying monthly rent as $xxx - Due Diligence Vendor-03/30/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-03/29/2025 <br> Open-Missing lease agreement for property located at xxx xxx xxx xxx to verify rental income of $xxx /mo - Due Diligence Vendor-03/28/2025 |  | Resolved-Lease Agreement provided for xxx (2 year Lease agreement) verifying monthly rent as $xxx - Due Diligence Vendor-03/30/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 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 - 14.61 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 - 14.62 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10675213 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19559235 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11292849 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14836438 | xxx | xxx D B A | Closed | FCRE7497 | 2025-03-28 16:31 | 2025-04-04 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Updated 1003 removing xxx xxx xxx . as it's in the name of an xxx - Final CD for xxx xxx xxx (xxx) xxx xxx xxx (xxx) Mortgage statement for xxx xxx xxx xxx (xxx) Provided. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Please see attached. Note-the HOI for xxx xxx xxx xxx is escrowed. Mtg statement attached. And xxx xxx xxx . is in the name of an xxx and not included in the borrower's DTI. Updated 1003 removing this property is attached. - Buyer-04/04/2025 <br> Open-Missing note, CD, and hazard insurance policy for xxx xxx xxx, xxx xxx xxx. xxx xxx xxx xxx hazard insurance policy missing. Missing verification of PI, tax, insurance and HOA for xxx xxx xxx, the final loan application does not list any mortgage, tax/ins/HOA. <br>- Due Diligence Vendor-03/28/2025 |  | Resolved-Updated 1003 removing xxx. as it's in the name of an LLC - Final CD for xxx (Escrowed) xxx (Escrowed) Mortgage statement for xxx (Escrowed) Provided. - Due Diligence Vendor-04/04/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 31.67% 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 - 5.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.82 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 - 14.21 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 - 14.22 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 |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14836438 | xxx | xxx D B A | Closed | FCRE1296 | 2025-03-31 08:30 | 2025-04-02 13:21 | Waived | 2 - Non-Material C B | Credit | Income | Income 5 Months Income Verified is Missing | Waived-Approved Lender Exception: Exception to not require the multiple returns for businesses not used for qualifying. Included the total net losses from Schedule E in DTI - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-04/01/2025 <br>Open-Income 5 Months Income Verified is Missing Missing k-1s for all business entities. Missing returns for those entities where borrower has ownership interest >25%. - Due Diligence Vendor-03/31/2025 |  | Waived-Approved Lender Exception: Exception to not require the multiple returns for businesses not used for qualifying. Included the total net losses from Schedule E in DTI - Due Diligence Vendor-04/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 31.67% 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 - 5.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.82 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 - 14.21 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 - 14.22 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 | Mortgage - B is a professional investor and has numerous mortgages dating back to xxx<br> No lates reported on any of the trades<br> DTI - Max - 50% Subject - <30% | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 14836438 | xxx | xxx D B A | Closed | FCRE9942 | 2025-03-31 08:27 | 2025-04-02 13:21 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Income - Business Tax Returns | Waived-Approved Lender Exception: Exception to not require the multiple returns for businesses not used for qualifying. Included the total net losses from Schedule E in DTI - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/01/2025 <br> Open-Missing K-1 for xxx xxx xxx , xxx xxx xxx , xxx-xxx xxx xxx xxx xxx , xxx xxx xxx , xxx xxx xxx xxx, xxx, xxx xxx xxx xxx xxx xxx . Missing LOE regarding ownership interest on each of these companies. Missing business return on all companies borrower has ownership interest >25%. DTI to be adjusted once documentation is reviewed. - Due Diligence Vendor-03/31/2025 |  | Waived-Approved Lender Exception: Exception to not require the multiple returns for businesses not used for qualifying. Included the total net losses from Schedule E in DTI - Due Diligence Vendor-04/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 31.67% 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 - 5.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.82 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 - 14.21 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 - 14.22 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 | Mortgage - B is a professional investor and has numerous mortgages dating back to xxx <br> No lates reported on any of the trades<br> DTI - Max - 50% Subject - <30% | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 14836438 | xxx | xxx D B A | Closed | FCRE1195 | 2025-03-28 16:52 | 2025-04-02 13:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Approved Lender Exception: Max for xxx xxx - 70% Subject - xxx% (okay'd by xxx xxx). New matrix allows for the higher LTV - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Please see attached. - Buyer-04/01/2025 <br> Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender approved exception for 75% CLTV Missing. - Due Diligence Vendor-03/30/2025 | Mortgage - B is a professional investor and has numerous mortgages dating back to xxx<br> No lates reported on any of the trades<br> DTI - Max - 50% Subject - <30%<br> - 04/02/2025 <br>| Waived-Approved Lender Exception: Max for 2-4 Units - 70% Subject - 75% (okay'd by xxx). New matrix allows for the higher LTV - Due Diligence Vendor-04/02/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 31.67% 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 - 5.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.82 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 - 14.21 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 - 14.22 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 |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 18742671 | xxx | xxx D A | Closed | FVAL1310 | 2025-03-27 17:06 | 2025-04-10 10:00 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/02/2025 <br> Open-HOA Questionnaire Document status is Missing. Missing HOA questionnaire or xxx project condo approval for limited review. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.83 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 - 28.44 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 - 28.45 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15909401 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 16903878 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 14945383 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14134535 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12156809 | xxx | xxx C A | Closed | FCRE1294 | 2025-03-27 17:12 | 2025-04-01 08:59 | 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-04/01/2025 <br> Ready for Review-Document Uploaded. Income is from asset depletion, the statements are within the assets package in the CLP upload, starting on page xxx of xxx. This was also explained on the 1008 (attached) - Seller-03/31/2025 <br> Open-Income 3 Months Income Verified is Missing<br> Borrower Other Income Documents are not provided please provide other income documents, however borrower qualifying other income is $ xxx- Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Income is from asset depletion, the statements are within the assets package in the CLP upload, starting on page xxx of xxx. This was also explained on the 1008 (attached) - Seller-03/31/2025 | Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-04/01/2025<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 - 19.61 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 0.16<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 43.89% 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 - 19.61 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12098752 | xxx | xxx C B A | Closed | finding-3631 | 2025-03-28 14:11 | 2025-04-08 08:23 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <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. \*\*\*\* (§ 1026.19(e)(4)(i); Comment 19(e)(4)(i)-1). A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Appraisal was paid by borrower xxx, effective xxx and signed by the appraiser xxx. However the additional charge(s) for the 1007 was not disclosed to the borrower until xxx. The additional/increase to disclosed charge(s) violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-04/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.29% 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 42.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12098752 | xxx | xxx C B A | Closed | finding-3632 | 2025-03-28 14:11 | 2025-04-08 08:23 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <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. \*\*\*\* (§ 1026.19(e)(4)(i); Comment 19(e)(4)(i)-1). A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Appraisal was paid by borrower xxx , effective xxx and signed by the appraiser 2/24/2025. However the additional charge(s) for the 1007 was not disclosed to the borrower until 3/18/2025. The additional/increase to disclosed charge(s) violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-04/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.29% 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 42.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12098752 | xxx | xxx C B A | Closed | finding-3634 | 2025-03-28 14:11 | 2025-04-08 08:23 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <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 $xxx.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). \*\*\*\* (§ 1026.19(e)(4)(i); Comment 19(e)(4)(i)-1). A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Appraisal was paid by borrower xxx , effective xxx and signed by the appraiser xxx. However the additional charge(s) for the 1007 was not disclosed to the borrower until xxx. The additional/increase to disclosed charge(s) violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-04/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.29% 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 42.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12544974 | xxx | xxx D A | Closed | FCOM1263 | 2025-03-27 09:57 | 2025-04-01 08:07 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Open-Right of Rescission is Partially Provided The Notice of Right to Cancel, executed by xxx xxx xxx xxx, has not been provided. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/01/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.74% 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 - 15.42 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.64% Is Below the Guideline Maximum Of 80% 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 - 20.35 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 - 20.36 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12409278 | xxx | xxx D A C | Closed | FCRE5790 | 2025-03-27 14:17 | 2025-04-08 10:20 | 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-04/08/2025 <br> Ready for Review-Gap report attached - Seller-04/07/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 15 days from Closing/Settlement Date). - Due Diligence Vendor-03/27/2025 | Ready for Review-Gap report attached - Seller-04/07/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/08/2025<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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.05% 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 - 10.05 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 - 10.06 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12409278 | xxx | xxx D A C | Closed | FCRE1193 | 2025-03-27 13:35 | 2025-03-31 15:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 46.5% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Open-Audited DTI of 50.55% exceeds Guideline DTI of 50% Monthly HOA fees of $xxx (pg xxx) for second home was not initially figured into DTI causing ratios to exceed. Audited DTI of 50.26% exceeds Guideline DTI of 50% - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Audited DTI of 46.5% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/31/2025<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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.05% 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 - 10.05 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 - 10.06 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10298661 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19564310 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10466240 | xxx | xxx C A | Closed | finding-3408 | 2025-03-27 02:56 | 2025-04-14 09:46 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-\*\*Loan Failed the High-Cost Points and Fees test because it exceeded the threshold. In review of the lender's xxx report, the lender excluded the Title Closing Fee paid to the affiliate of lender. - Due Diligence Vendor-03/30/2025 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of xxx% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed xxx percent of the amount of the payment past due. No such charge may be imposed more than xxx for a single late payment. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.32% 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 13.71 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 - 6.35 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 10466240 | xxx | xxx C A | Closed | finding-1260 | 2025-03-27 02:56 | 2025-04-14 09:46 | Resolved | 1 - Information C A | Compliance | Points & Fees | WI RHCMLA Covered Loan HOEPA High Cost Threshold Test | Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-\*\*Loan Failed the High-Cost Points and Fees test because it exceeded the threshold. In review of the lender's xxx report, the lender excluded the Title Closing Fee paid to the affiliate of lender. - Due Diligence Vendor-03/30/2025 <br> Open-This loan failed the HOEPA high cost threshold test.(WI AB 792, WI Statutes 428.202 (2)(d)(1))The loan is a HOEPA high-cost mortgage. The loan is considered a mortgage under 15 USC 1602 (bb) and regulations adopted thereunder, including 12 CFR 226.32. More information on why the loan is a HOEPA high-cost mortgage can be found in the HOEPA (Sections 32, 35) or Federal High-Cost Mortgage (HOEPA - Amended) section of the loan report. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.32% 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 13.71 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 - 6.35 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 10466240 | xxx | xxx C A | Closed | finding-3393 | 2025-03-27 02:56 | 2025-04-14 09:46 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-\*\*Loan Failed the High-Cost Points and Fees test because it exceeded the threshold. In review of the lender's xxx report, the lender excluded the Title Closing Fee paid to the affiliate of lender. - Due Diligence Vendor-03/30/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is $xxx or more, and the transaction's total points and fees is $xxx, which exceeds xxx percent of the total loan amount of $xxx ; orThe loan amount is less than $xxx and the transaction's total points and fees is $xxx, which exceeds the lesser of xxx percent of the total loan amount of $xxx or $xxx. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.32% 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 13.71 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 - 6.35 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 10466240 | xxx | xxx C A | Closed | finding-3399 | 2025-03-27 02:56 | 2025-04-14 09:46 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-\*\*Loan Failed the High-Cost Points and Fees test because it exceeded the threshold. In review of the lender's xxx report, the lender excluded the Title Closing Fee paid to the affiliate of lender. - Due Diligence Vendor-03/30/2025 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.32% 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 13.71 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 - 6.35 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 10466240 | xxx | xxx C A | Closed | finding-3406 | 2025-03-27 02:56 | 2025-04-14 09:46 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-\*\*Loan Failed the High-Cost Points and Fees test because it exceeded the threshold. In review of the lender's xxx report, the lender excluded the Title Closing Fee paid to the affiliate of lender. - Due Diligence Vendor-03/30/2025 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.32% 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 13.71 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 - 6.35 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 10466240 | xxx | xxx C A | Closed | FCRE1332 | 2025-03-27 00:13 | 2025-03-31 11:56 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-03/31/2025 <br> Resolved-File contained 2 Paystubs for Bwr, First paystub dated xxx (pay dates through xxx-xxx) and second paystub dated xxx(pay dates through xxx-xxx) both from employer "xxx xxx xxx" - Due Diligence Vendor-03/31/2025 <br> Ready for Review-The paystub needs to cover a 30 day period, we provided March YTD paystubs that meets the min 30 day earnings requirement. Please review and advise. Thank you. - Seller-03/31/2025 <br> Open-Borrower 1 Paystubs Less Than 1 Month Provided - Due Diligence Vendor-03/27/2025 | Ready for Review-The paystub needs to cover a xxx day period, we provided xxx YTD paystubs that meets the min xxx day earnings requirement. Please review and advise. Thank you. - Seller-03/31/2025 | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-03/31/2025 <br> Resolved-File contained 2 Paystubs for Bwr, First paystub dated xxx (pay dates through xxx-xxx) and second paystub dated xxx (pay dates through xxx-xxx) both from employer "xxx" - Due Diligence Vendor-03/31/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.32% 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 13.71 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 - 6.35 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 15008487 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12088148 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18525382 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17248474 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14141124 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10507952 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12840968 | xxx | xxx D A | Closed | FCRE1316 | 2025-03-28 03:34 | 2025-04-02 09:50 | 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-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/02/2025<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 41.85% 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 6.47 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 - 8.10 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12840968 | xxx | xxx D A | Closed | FCRE1195 | 2025-03-28 03:58 | 2025-03-31 18:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 79.94% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-03/31/2025 <br>Open-Audited CLTV of 80.16% exceeds Guideline CLTV of 80% - Due Diligence Vendor-03/28/2025 |  | Resolved-Audited CLTV of 79.94% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-03/31/2025<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 41.85% 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 6.47 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 - 8.10 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12840968 | xxx | xxx D A | Closed | FCRE1200 | 2025-03-28 03:58 | 2025-03-31 18:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of $xxx is greater than or equal to the Guideline Minimum Loan Amount of $xxx - Due Diligence Vendor-03/31/2025 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-03/28/2025 |  | Resolved-Audited Loan Amount of $xxx is greater than or equal to the Guideline Minimum Loan Amount of $xxx - Due Diligence Vendor-03/31/2025 | 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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 41.85% 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 6.47 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 - 8.10 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12840968 | xxx | xxx D A | Closed | FCRE1196 | 2025-03-28 03:58 | 2025-03-31 18:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HCLTV of 79.94% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-03/31/2025 <br>Open-Audited HCLTV of 80.16% exceeds Guideline HCLTV of 80% - Due Diligence Vendor-03/28/2025 |  | Resolved-Audited HCLTV of 79.94% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-03/31/2025<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 41.85% 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 6.47 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 - 8.10 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12285422 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18005728 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19635823 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16019766 | xxx | xxx C A | Closed | FCRE1292 | 2025-03-28 17:15 | 2025-04-02 13:43 | 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-04/02/2025 <br> Ready for Review-Document Uploaded. xxx xxx statements - Seller-04/01/2025 <br> Open-Income 1 Months Income Verified is Missing The Borrower's business xxx statements used to calculate income are missing from the loan file. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. xxx bank statements - Seller-04/01/2025 | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-04/02/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.72% 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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.96% 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 18 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 - 32.99 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 - 33.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 11414043 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16328395 | xxx | xxx D A | Closed | FCRE1316 | 2025-04-01 13:08 | 2025-04-03 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-04/03/2025 <br> Ready for Review-The WVOE was provided and dated xxx, the Note date is xxx, this is a matter of (xxx) days - this is within the guidelines and should be sufficient since all other income documentation was provided. Please advise! Thank you. - Seller-04/02/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing . The lender's guidelines require a verbal VOE from each employer within xxx-days of the note date for wage borrowers. The xxx VOE from xxx xxx is missing. - Due Diligence Vendor-04/01/2025 | Ready for Review-The WVOE was provided and dated xxx, the Note date is xxx , this is a matter of (xxx) days - this is within the guidelines and should be sufficient since all other income documentation was provided. Please advise! Thank you. - Seller-04/02/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 8.00 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 - 6.47 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16932615 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13095280 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18583947 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10943973 | xxx | xxx C A | Closed | FCRE1195 | 2025-04-02 16:02 | 2025-04-03 11:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 89.06% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Open-Audited CLTV of 89.06% exceeds Guideline CLTV of 85% - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Audited CLTV of 89.06% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-04/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 35.79% 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 - 5.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.93 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 - 13.25 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 0.08 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15839168 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 12491788 | xxx | xxx C A | Closed | FCRE1332 | 2025-03-31 19:00 | 2025-04-04 14:11 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-04/04/2025 <br> Ready for Review-The borrower has been on the job for xxx yrs the Paystub has over xxx months YTD earnings listed. The YTD covers the xxx days worth of income requirement. Can you please review and advise? Thank you. - Seller-04/04/2025 <br> Open-Borrower 1 Paystubs Less Than 1 Month Provided. - Due Diligence Vendor-03/31/2025 | Ready for Review-The borrower has been on the job for 7 yrs the Paystub has over xxx months YTD earnings listed. The YTD covers the xxx days worth of income requirement. Can you please review and advise? Thank you. - Seller-04/04/2025 | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-04/04/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 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 - 7.02 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 - 29.50 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 0.05 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15914354 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18922151 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17759985 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11944198 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10632769 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 15147454 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 14683866 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16705921 | xxx | xxx D A | Closed | FCOM1274 | 2025-04-01 15:45 | 2025-04-07 07:51 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Rebut - Escrow waiver not required on 2nd mortgages. - Buyer-04/04/2025 <br>Open-Escrow Waiver is Missing - Due Diligence Vendor-04/01/2025 |  | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-04/07/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.55% 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 37.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16705921 | xxx | xxx D A | Closed | FCOM1206 | 2025-04-01 06:44 | 2025-04-07 07:50 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-04/04/2025 <br>Open-The Note is Missing - Due Diligence Vendor-04/01/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-04/07/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.55% 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 37.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14792416 | xxx | xxx B A | Closed | FCRE1183 | 2025-04-03 09:23 | 2025-04-04 13:51 | 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-04/04/2025 <br> Ready for Review-Document Uploaded. Concur - Please see attached revised 1008 and lock, along with the most recent statement reflecting the current balance. CLTV is still within guidelines. - Buyer-04/04/2025 <br> Open-1008/Underwriting Summary Partially Provided Provide corrected 1008 and approval for CLTV. 1008 reflects CLTV of 82.425% which is based on 1st lien of $xxx. Borrower recently refinanced the home and 1st lien balance per the most recent mortgage statement is $xxx with a CLTV of 86.40%. Possible pricing issue. - Due Diligence Vendor-04/03/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.22 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.27 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12890795 | xxx | xxx C A | Closed | FCRE1193 | 2025-04-03 15:11 | 2025-04-08 15:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.4% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. Please see attached revised 1008 and income calculation worksheet. - Buyer-04/08/2025 <br> Open-Audited DTI of 50.87% exceeds Guideline DTI of 50% Provide documentation to support the use of $xxx as qualifying base income. - Due Diligence Vendor-04/03/2025 |  | Resolved-Audited DTI of 49.4% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/08/2025<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 33.6 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 66.04% Is Below the Guideline Maximum Of 80% 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 - 21.48 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 - 21.50 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18806247 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11089492 | xxx | xxx D A | Closed | FCOM1511 | 2025-04-04 09:38 | 2025-04-08 15:33 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Borrower is no xxx purchasing the property located at xxx xxx xxx - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. Please be advise that the property located at: xxx xxx xxx.<br> Did not close. There were some issues with the property to resolve before closing. The U/W added the debt to the borrowers' ratios.<br> See the attached updated 1008. - Seller-04/07/2025 <br> Open-Provide the final executed copy of the closing settlement statement for xxx xxx xxx . - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Please be advise that the property located at: xxx xxx xxx .<br> Did not close. There were some issues with the property to resolve before closing. The U/W added the debt to the borrowers' ratios.<br> See the attached updated 1008. - Seller-04/07/2025 | Resolved-Borrower is no loner purchasing the property located at xxx - Due Diligence Vendor-04/08/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.14% 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 - 25.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 - 6.84 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11089492 | xxx | xxx D A | Closed | FCRE9814 | 2025-04-02 14:41 | 2025-04-07 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Trust Cert Provided. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Seller-04/04/2025 <br>Open-Provide copy of Trust Agreement or Trust Certificate (where allowed by law) reviewed and approved by Title Company. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-Trust Cert Provided. - Due Diligence Vendor-04/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.14% 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 - 25.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 - 6.84 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11089492 | xxx | xxx D A | Closed | finding-3631 | 2025-04-02 16:56 | 2025-04-07 08:48 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC for lock extension provided - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Open-\*\*\*Discount Points Fee increased from $xxx to $xxx in the Final CD. Original file does not contain a valid xxx in relation to the increase. - Due Diligence Vendor-04/03/2025 <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-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-COC for lock extension provided - Due Diligence Vendor-04/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.14% 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 - 25.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 - 6.84 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11089492 | xxx | xxx D A | Closed | finding-3632 | 2025-04-02 16:56 | 2025-04-07 08:48 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC for lock extension provided - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Open-\*\*\*Discount Points Fee increased from $xxx to $xxx in the Final CD. Original file does not contain a valid xxx in relation to the increase. - Due Diligence Vendor-04/03/2025 <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-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-COC for lock extension provided - Due Diligence Vendor-04/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.14% 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 - 25.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 - 6.84 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11089492 | xxx | xxx D A | Closed | finding-3634 | 2025-04-02 16:56 | 2025-04-07 08:48 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC for lock extension provided - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Open-\*\*\*Discount Points Fee increased from $xxx to $xxx in the Final CD. Original file does not contain a valid xxx in relation to the increase. - Due Diligence Vendor-04/03/2025 <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 $xxx .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-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-COC for lock extension provided - Due Diligence Vendor-04/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.14% 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 - 25.25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 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 - 6.84 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14332871 | xxx | xxx C A | Closed | FPRO9736 | 2025-04-04 16:08 | 2025-04-10 08:23 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-desk review provided - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Counter-Missing AVM/Desk review from file. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Seller-04/05/2025 <br>Open-Appraisal review (SSR, CDA, AVM) is missing from loan file. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/05/2025<br>| Resolved-desk review provided - Due Diligence Vendor-04/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.86 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 74.75% 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 - 9.24 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14332871 | xxx | xxx C A | Closed | finding-47 | 2025-04-02 13:49 | 2025-04-09 07:56 | 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-04/09/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx .Please Provide xxx xxx Closing Disclosure funding after Rescission period. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.86 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 74.75% 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 - 9.24 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18575625 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13331332 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10193556 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15833391 | xxx | xxx D A | Closed | FCOM1262 | 2025-04-03 07:32 | 2025-04-09 08:31 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Open-Right of Rescission is Missing - Due Diligence Vendor-04/06/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/09/2025<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 - 20.12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.55 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 - 20.12 Years<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15833391 | xxx | xxx D A | Closed | FCOM1263 | 2025-04-09 08:23 | 2025-04-09 08:31 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/09/2025 <br>Open-Right of Rescission is Partially Provided - Due Diligence Vendor-04/09/2025 |  | Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/09/2025<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 - 20.12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.55 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 - 20.12 Years<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.89% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17629644 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10664315 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11990175 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13276991 | xxx | xxx C A | Closed | finding-47 | 2025-04-02 19:43 | 2025-04-08 08:04 | 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-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - 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-04/05/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/08/2025<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 - 10.12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.89 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 - 10.13 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14697562 | xxx | xxx D A | Closed | FPRO4876 | 2025-04-07 11:19 | 2025-04-10 14:17 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. - Seller-04/09/2025 <br> Counter-The appraisal does not address the recent xxx xxx - Due Diligence Vendor-04/07/2025 <br> Ready for Review-The Appraisal report (03/07/2025) was completed after the xxx incident end date 01/31/2025. - Seller-04/07/2025 <br> Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/09/2025 <br> Ready for Review-The Appraisal report (xxx) was completed after the xxx incident end date xxx. - Seller-04/07/2025 | Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-04/10/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 11.88 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.32 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 - 11.88 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16626676 | xxx | xxx C B A | Closed | finding-3631 | 2025-04-04 10:48 | 2025-04-10 10:51 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Enclosed is the revised PCCD, LOE, copy of the check and proof of delivery. - Buyer-04/09/2025 <br> Counter-• A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. Documentation provided indicates the approval would need an AVM/PCI even earlier than the invoice paid date. Information sufficient to establish a changed circumstance to determine borrower would incur an undisclosed AVM fee first appears in the Lock Confirmation xxx. If an amount is unknown when sufficient knowledge the charge will be incurred, then an over-disclosed charge to the borrower should be disclosed, rather than xxx. xxx violates COC timing rules. xxx% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-We received the invoice for PCI on xxx, we do the COC based off the date we receive the invoice as it comes from the broker and we have no way of COC'ing that change prior to receiving the information (the invoice proof). This one was done correctly. - Seller-04/07/2025 <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 charge for the Property Condition xxx disclosed to borrower on xxx, has an invoice paid invoice date of xxx. It therefore, violates COC timing rules. xxx% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/04/2025 | Ready for Review-We received the invoice for xxx on xxx, we do the COC based off the date we receive the invoice as it comes from the broker and we have no way of COC'ing that change prior to receiving the information (the invoice proof). This one was done correctly. - Seller-04/07/2025 | Cured-Curative PCCD received - Due Diligence Vendor-04/10/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.99% Is Below the Guideline Maximum Of 85% 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 - 17.67 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16626676 | xxx | xxx C B A | Closed | finding-3634 | 2025-04-04 10:48 | 2025-04-10 10:51 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Enclosed is the revised PCCD, LOE, copy of the check and proof of delivery. - Seller-04/09/2025 <br> Counter-• A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. Documentation provided indicates the approval would need an AVM/PCI even earlier than the invoice paid date. Information sufficient to establish a changed circumstance to determine borrower would incur an undisclosed AVM fee first appears in the Lock Confirmation xxx. If an amount is unknown when sufficient knowledge the charge will be incurred, then an over-disclosed charge to the borrower should be disclosed, rather than xxx. xxx violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-We received the invoice for PCI on xxx, we do the COC based off the date we receive the invoice as it comes from the broker and we have no way of COC'ing that change prior to receiving the information (the invoice proof). This one was done correctly. - Buyer-04/07/2025 <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 $xxx.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 charge for the Property Condition xxx disclosed to borrower on xxx, has an invoice paid invoice date of xxx. It therefore, violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Enclosed is the revised PCCD, LOE, copy of the check and proof of delivery. - Seller-04/09/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-04/10/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.99% Is Below the Guideline Maximum Of 85% 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 - 17.67 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16626676 | xxx | xxx C B A | Closed | finding-3632 | 2025-04-04 10:48 | 2025-04-10 10:23 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Enclosed is the revised PCCD, LOE, copy of the check and proof of delivery. - Seller-04/09/2025 <br> Counter-• A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. Documentation provided indicates the approval would need an AVM/PCI even earlier than the invoice paid date. Information sufficient to establish a changed circumstance to determine borrower would incur an undisclosed AVM fee first appears in the Lock Confirmation xxx. If an amount is unknown when sufficient knowledge the charge will be incurred, then an over-disclosed charge to the borrower should be disclosed, rather than xxx. xxx violates COC timing rules. xxx% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-We received the invoice for PCI on xxx, we do the COC based off the date we receive the invoice as it comes from the broker and we have no way of COC'ing that change prior to receiving the information (the invoice proof). This one was done correctly. <br> - Seller-04/07/2025 <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 charge for the Property Condition xxx disclosed to borrower on xxx, has an invoice paid invoice date of xxx. It therefore, violates COC timing rules. xxx% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Enclosed is the revised PCCD, LOE, copy of the check and proof of delivery. - Seller-04/09/2025 <br> Ready for Review-We received the invoice for xxx on xxx, we do the COC based off the date we receive the invoice as it comes from the broker and we have no way of COC'ing that change prior to receiving the information (the invoice proof). This one was done correctly. <br> - Seller-04/07/2025 | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-04/10/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.99% Is Below the Guideline Maximum Of 85% 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 - 17.67 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16869660 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11476794 | xxx | xxx D A | Closed | FCRE1347 | 2025-04-02 09:02 | 2025-04-07 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-04/05/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/02/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/07/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.78% 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 17.15% 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 25.05 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 - 20.00 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 - 20.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15793756 | xxx | xxx C A | Closed | finding-3352 | 2025-04-03 13:46 | 2025-04-08 08:45 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. see attached proof of appraisal delivery to borrower via email. check timestamp - Buyer-04/07/2025 <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 if loan is HPML Compliant. 1026.35(c)(6)(ii)(a) Copy of appraisals —(A) No later than three business days prior to consummation of the loan. Lender to provide evidence that the borrower received a copy of the Appraisal at least three business days prior to consummation. - Due Diligence Vendor-04/04/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.55 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 44.4% 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 - 17.04 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12973465 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19241439 | xxx | xxx C A | Closed | FCRE1195 | 2025-04-03 03:56 | 2025-04-08 10:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 79.86% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. Rebut - Please see attached. - Buyer-04/07/2025 <br>Open-Audited CLTV of 80.04% exceeds Guideline CLTV of 80% - Due Diligence Vendor-04/03/2025 |  | Resolved-Audited CLTV of 79.86% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-04/08/2025<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 - 5.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.05% 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 42.74 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 - 6.58 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18867477 | xxx | xxx D A | Closed | FCRE1316 | 2025-04-03 01:51 | 2025-04-11 14:58 | 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-04/11/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.23% 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 xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 - 18.79 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 - 18.79 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 - 34.75 Years | Provide the Third-Party employment verification, for Borrower and Co-Borrower, completed prior to the Note date. | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18867477 | xxx | xxx D A | Closed | FCRE1325 | 2025-04-03 01:51 | 2025-04-11 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. - Seller-04/09/2025 <br>Open-Borrower 1 CPA Letter Missing Provide two years current continuous self-employment with business license or statement from corporate accountant/CPA confirming the same. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/09/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.23% 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 xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 - 18.79 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 - 18.79 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 - 34.75 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18867477 | xxx | xxx D A | Closed | FCRE7805 | 2025-04-03 02:22 | 2025-04-08 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-xxx xxx & xxx xxx B/S provided. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <br> Open-For the borrower "xxx xxx xxx" xxx and xxx month xxx statement is missing in the file to verify the income - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-xxx & xxx B/S provided. - Due Diligence Vendor-04/08/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.23% 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 xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 - 18.79 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 - 18.79 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 - 34.75 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11865938 | xxx | xxx C B A | Closed | finding-3631 | 2025-04-07 10:32 | 2025-04-14 10:05 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <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. \*\*\*\*\*\* Credit report dated 2/5/2025 indicates a charge of $xxx. However, the increased charge to the borrower was not disclosure until xxx. The additional/increase to disclosed appraisal(s) charge violates COC timing rules. xxx% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-04/14/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.33% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 - 13.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11865938 | xxx | xxx C B A | Closed | finding-3632 | 2025-04-07 10:32 | 2025-04-14 10:05 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <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. \*\*\*\*\*\* Credit report dated xxx indicates a charge of $xxx. However, the increased charge to the borrower was not disclosure until xxx. The additional/increase to disclosed appraisal(s) charge violates COC timing rules. xxx% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-04/14/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.33% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 - 13.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11865938 | xxx | xxx C B A | Closed | finding-3634 | 2025-04-07 10:32 | 2025-04-14 10:05 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <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 $xxx .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). \*\*\*\*\*\* Credit report dated xxx indicates a charge of $xxx. However, the increased charge to the borrower was not disclosure until xxx. The additional/increase to disclosed appraisal(s) charge violates COC timing rules. xxx% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-04/14/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.33% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 - 13.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12869862 | xxx | xxx C A | Closed | FCRE1193 | 2025-04-03 09:39 | 2025-04-08 15:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 50% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. That is because you added the xxx payment with xxx xxx xxx, however the xxx pays it. Please see attached xxx statements for the xxx, showing the xxx payment is paid by xxx, not our borrower. Please advise. Thank you. - Seller-04/08/2025 <br> Open-Audited DTI of 51.48% exceeds Guideline DTI of 50% Calculated DTI of 51.48% exceeds Guideline DTI of 50% - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. That is because you added the xxx payment with xxx xxx xxx , however the xxx pays it. Please see attached xxx statements for the xxx , showing the xxx payment is paid by him, not our borrower. Please advise. Thank you. - Seller-04/08/2025 | Resolved-Audited DTI of 50% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/08/2025<br>|  |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13052227 | xxx | xxx D A | Closed | FCRE7497 | 2025-04-04 06:51 | 2025-04-09 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Hello, xxx xxx xxx property is impounded. The insurance and taxes amount is showing on the xxx mortgage statement, thank you. - Seller-04/08/2025 <br> Open-Tax is missing for "xxx xxx xxx"<br> - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Hello, xxx xxx xxx property is impounded. The insurance and taxes amount is showing on the xxx mortgage statement, thank you. - Seller-04/08/2025 | Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.49% 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 21.68% 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 0.03<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13052227 | xxx | xxx D A | Closed | FCRE1201 | 2025-04-03 02:26 | 2025-04-09 14:47 | 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-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.49% 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 21.68% 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 0.03<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13927219 | xxx | xxx D A | Closed | FCRE7497 | 2025-04-04 06:50 | 2025-04-09 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Hello, the insurance and taxes for xxx xxx xxx property are impounded and is showing on the xxx mortgage statement. Thank you. - Seller-04/08/2025 <br> Open-Tax missing for "xxx xxx xxx " - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. Hello, the insurance and taxes for xxx xxx xxx property are impounded and is showing on the xxx mortgage statement. Thank you. - Seller-04/08/2025 | Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.61% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.11 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 69.18% 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 - Credit Line Usage Ratio equals 0.03 |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13927219 | xxx | xxx D A | Closed | FCRE1201 | 2025-04-03 00:26 | 2025-04-09 14:27 | 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-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Counter-Please provide third party fraud report - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.61% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.11 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 69.18% 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 - Credit Line Usage Ratio equals 0.03 |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12060669 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15264340 | xxx | xxx D A | Closed | FCRE5782 | 2025-04-06 15:55 | 2025-04-07 15:06 | 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-04/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-04/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit report - Due Diligence Vendor-04/06/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.07% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.59 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 - 9.33 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 - 10.23 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 - 10.17 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 0.08 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17050497 | xxx | xxx C B A | Closed | FCRE1254 | 2025-04-06 16:08 | 2025-04-08 09:53 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-LOE provided from xxx xxx xxx stating - Per xxx xxx , requires that xxx file a notice called a "xxx xxx xxx xxx xxx xxx xxx , The statue states that the notice does not constitute a title defect, Lien or encumbrance against real property - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. Rebut-xxx in question is not a lien against the property but against the panels. Not required to be paid off. - Buyer-04/07/2025 <br> Open-xxx Lien reflecting on title. Per G/L : xxx liens must be paid-off prior to or at closing. <br> No evidence in file indicating this xxx has been paid. - Due Diligence Vendor-04/06/2025 |  | Resolved-LOE provided from xxx stating - Per xxx Law, requires that xxx file a notice called a "Notice of an xxx Contract, The statue states that the notice does not constitute a title defect, Lien or encumbrance against real property - Due Diligence Vendor-04/08/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.44% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17050497 | xxx | xxx C B A | Closed | FCRE1200 | 2025-04-03 04:08 | 2025-04-08 09:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Approved Lender Exception: Minimum - $xxx Subject - $xxx - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/07/2025 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx As for guideline minimum loan amount is $xxx and as per documents audited loan amount is $xxx . - Due Diligence Vendor-04/03/2025 |  | Waived-Approved Lender Exception: Minimum - $xxx Subject - $xxx - Due Diligence Vendor-04/08/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.44% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Mortgage: 41+ months reported. No lates<br> LTV - Max - 90% Subject - 85% | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 16667083 | xxx | xxx D A | Closed | FCRE7497 | 2025-04-07 16:39 | 2025-04-09 13:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. This is a xxx xxx on xxx acres of land. NO Hoa. - Buyer-04/08/2025 <br> Open-Provide a letter of explanation or documentation regarding HOA fees for xxx xxx xxx xxx. - Due Diligence Vendor-04/07/2025 |  | Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.78% 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 34.6 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 - 6.50 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 - 5.24 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12346311 | xxx | xxx C A | Closed | finding-47 | 2025-04-07 00:43 | 2025-04-09 08:12 | 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-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Open-\*\*\*\*\*\*\* Borrower executed documents on 3/28/2025.Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.46% 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 19.29 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 - 5.33 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 - 5.50 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 - 549 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14892745 | xxx | xxx C A | Closed | FCOM3987 | 2025-04-08 09:24 | 2025-04-11 09:14 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing evidence required disclosure provided at closing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Disclosure Attached. - Seller-04/10/2025 <br> Open-• \*\*Missing Co-Borrower disclosure when there is a signer on the note that is not vested on the property, the Federal Trade Commission's (FTC) Credit Practices Rule requires creditors to provide a "Notice to Cosigner" to a cosigner before they become obligated on a loan. xxx xxx xxx - xxx is not vested on the property. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Disclosure Attached. - Seller-04/10/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.88% 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 xxx 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 26.1 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 - 9.00 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 - 9.62 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 - 20.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14892745 | xxx | xxx C A | Closed | finding-3532 | 2025-04-07 03:29 | 2025-04-11 09:14 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. Attached is all CDs, email signed by both borrowers confirm receipt of xxx CD. - Seller-04/10/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Documentation provided does not include proof of the xxx Initial Closing Disclosure receipt by borrower. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Attached is all CDs, email signed by both borrowers confirm receipt of xxx CD. - Seller-04/10/2025 | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.88% 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 xxx 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 26.1 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 - 9.00 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 - 9.62 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 - 20.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18066673 | xxx | xxx D A | Closed | FCRE1158 | 2025-04-07 08:54 | 2025-04-08 15:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-04/08/2025 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Provide the Homeowners Insurance Policy with the annual premium amount noted. - Due Diligence Vendor-04/07/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.85 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 - 7.48 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.96% 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 43.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10421342 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12633099 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17569983 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 15305356 | xxx | xxx C A | Closed | FCRE5790 | 2025-04-04 21:04 | 2025-04-10 12:32 | 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-04/10/2025 <br> Ready for Review-Please reference the PreClose Credit Report, dated xxx (Note date is xxx) provided in the Closed-Loan package upload. It can be located on page xxx of xxx . - Seller-04/09/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). AS Per Guide Line With in 15 Days - Due Diligence Vendor-04/05/2025 | Ready for Review-Please reference the PreClose Credit Report, dated xxx (Note date is xxx) provided in the Closed-Loan package upload. It can be located on page xxx of xxx. - Seller-04/09/2025 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/10/2025<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 - 26.34 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 - 26.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15305356 | xxx | xxx C A | Closed | FCRE5791 | 2025-04-04 21:04 | 2025-04-10 12:32 | 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-04/10/2025 <br> Ready for Review-Please reference the PreClose Credit Report, dated xxx (Note date is xxx) provided in the Closed-Loan package upload. It can be located on page xxx of xxx . - Seller-04/09/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). AS Per Guide Line With in 15 Days - Due Diligence Vendor-04/05/2025 | Ready for Review-Please reference the PreClose Credit Report, dated xxx (Note date is xxx) provided in the Closed-Loan package upload. It can be located on page xxx of xxx. - Seller-04/09/2025 | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-04/10/2025<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 - 26.34 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 - 26.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10192847 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19924825 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17153206 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18332290 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16500194 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18431761 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14846143 | xxx | xxx D A | Closed | FCRE1964 | 2025-04-08 13:35 | 2025-04-10 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved- - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/09/2025 <br> Open-Borrower 1 first income is "xxx xxx xxx " Income using xxx , However the xxxTax return and xxx along with xxx document missing in the loan package. - Due Diligence Vendor-04/08/2025 |  |  | 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 - 37.19 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.29 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 - 37.19 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.50 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14846143 | xxx | xxx D A | Closed | FCRE1316 | 2025-04-08 13:27 | 2025-04-10 14:27 | 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-04/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-04/09/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE is missing for borrower. - Due Diligence Vendor-04/08/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/10/2025<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 - 37.19 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.29 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 - 37.19 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.50 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14846143 | xxx | xxx D A | Closed | FCRE1347 | 2025-04-08 13:27 | 2025-04-10 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-04/09/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing 3rd Party VOE is missing for borrower. - Due Diligence Vendor-04/08/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/10/2025<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 - 37.19 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.29 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 - 37.19 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.50 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13462864 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16459947 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 12671200 | xxx | xxx D A | Closed | FCRE1325 | 2025-04-09 18:47 | 2025-04-11 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Please see attached. Shareholder Agreement provided to confirm borrower's ownership percentage. CPA letter not required. - Buyer-04/10/2025 <br>Open-Borrower 1 CPA Letter Missing File missing CPA letter confirming ownership % and number of years prepared taxes. - Due Diligence Vendor-04/09/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/11/2025<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 - 22.25 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 29.83 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.18% 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 46.44 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 40.24% 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 - 22.24 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 - 22.25 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 12671200 | xxx | xxx D A | Closed | FCRE1355 | 2025-04-09 18:47 | 2025-04-11 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 CPA Letter Missing | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Please see attached. Shareholder Agreement provided to confirm borrower's ownership percentage. CPA letter not required. - Buyer-04/10/2025 <br>Open-Borrower 2 CPA Letter Missing File missing CPA letter confirming ownership % and number of years prepared taxes. - Due Diligence Vendor-04/09/2025 |  | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/11/2025<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 - 22.25 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 29.83 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.18% 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 46.44 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 40.24% 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 - 22.24 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 - 22.25 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 16967855 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10808683 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19068711 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13662566 | xxx | xxx D A | Closed | FCRE9814 | 2025-04-10 12:21 | 2025-04-11 08:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Trust Agreement provided for xxx xxx xxx xxx xxx dated xxx xxx, xxx- Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/10/2025 <br> Open-Provide a copy of the Trust Agreement or Trust Certificate (where allowed by law) reviewed and approved by the title company. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/10/2025<br>| Resolved-Trust Agreement provided for xxx dated xxx - Due Diligence Vendor-04/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.17 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 42.18% 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 - 12.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11097496 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16272027 | xxx | xxx C A | Closed | finding-2502 | 2025-04-09 10:51 | 2025-04-14 10:09 | Resolved | 1 - Information C A | Compliance | Points & Fees | CT Nonprime Home Loan Test | Resolved-informational - Due Diligence Vendor-04/14/2025 <br> Open-This loan failed the xxx nonprime home loan test.The loan is a nonprime home loan, as defined in the legislation. For more information please see the xxx Nonprime Home Loan Article section of the full ComplianceAnalyzer report.While the xxx Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. - Due Diligence Vendor-04/09/2025 |  | Resolved-informational - Due Diligence Vendor-04/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.44 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 - 9.26 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 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16272027 | xxx | xxx C A | Closed | finding-3540 | 2025-04-09 10:51 | 2025-04-14 10:08 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-see attached - Buyer-04/11/2025 <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 xxx, during the business day immediately preceding consummation, but the creditor may omit from xxx items related only to the seller's transaction. \*\*\* Evidence of the Revised CD received date, sent xxx, not in the original file and is required to be received by the consumer 3 business days prior to consummation. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/10/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.44 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 - 9.26 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14706945 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11702525 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16405521 | xxx | xxx D A | Closed | FCRE1342 | 2025-04-09 02:00 | 2025-04-21 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx Statements Provided - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. - Seller-04/18/2025 <br>Open-Borrower 1 Business xxx Statements Missing Missing business xxx statements. DTI and income will be updated once received. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/18/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.68% 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 25.9 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 0.12 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12277172 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 14826396 | xxx | xxx C B A | Closed | finding-3652 | 2025-04-10 11:32 | 2025-04-25 08:19 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Curative PCCD received - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <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 ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*The total of specific and non-specific lender credits decreased in the final CD. Lender credit cannot decrease without a valid coc. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-04/25/2025<br>| 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>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 - 16.38 Years<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 - 16.38 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10969584 | xxx | xxx D A | Closed | FCRE1335 | 2025-04-10 12:20 | 2025-04-14 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-Borrower 1 IRS Transcripts Missing W2 transcripts are missing - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-04/14/2025<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.51% 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 xxx 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 35.27% 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 0.19<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 - 25.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10969584 | xxx | xxx D A | Closed | FCRE5782 | 2025-04-10 13:01 | 2025-04-14 09:45 | 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-04/14/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing credit pulled over 30 days before close date. did not see credit gap letter in documents - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/14/2025<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.51% 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 xxx 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 35.27% 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 0.19<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 - 25.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15180811 | xxx | xxx D A | Closed | FCOM2630 | 2025-04-10 11:53 | 2025-04-14 10:19 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-04/12/2025 <br>Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-04/10/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.37 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 - 13.26 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<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.29% 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 - 13.26 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12474064 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14418497 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19839080 | xxx | xxx C A | Closed | FCRE1332 | 2025-04-10 02:07 | 2025-04-14 14:01 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-04/14/2025 <br> Ready for Review-The borrower has been on the job for over xxx years the paystub has 2 months YTD earnings listed on it. The YTD earnings covers the 30 days worth of income requirement. - Seller-04/14/2025 <br> Open-Borrower 1 Paystubs Less Than 1 Month Provided As per Guideline required only 30 days earnings - Due Diligence Vendor-04/10/2025 | Ready for Review-The borrower has been on the job for over xxx years the paystub has xxx months YTD earnings listed on it. The YTD earnings covers the xxx days worth of income requirement. - Seller-04/14/2025 | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-04/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.61% 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 15.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15990909 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13240450 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 18444877 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18074278 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11721443 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15450701 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19819330 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12895245 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11804259 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 15509947 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18900419 | xxx | xxx C B A | Closed | FCOM1292 | 2025-04-15 11:19 | 2025-04-24 13:57 | Acknowledged | 2 - Non-Material C B | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (new creditor with H-9 form type) | Acknowledged-Acknowledged in comment: H-9 contains additional verbiage that informs the borrower that the right of rescission applies only to the new credit transaction and does not allow rescission of the prior loan. Right to Cancel period and information is substantially included in both form H-8 and H-9. Finding downgraded to non-material - Due Diligence Vendor-04/24/2025 <br> Ready for Review-can we escalate this. our compliance folks don't believe this to be an issue.<br>- Buyer-04/15/2025 <br> Open-Loan Purpose is xxx and Creditor did not provide the appropriate Right to Cancel Form Model (New creditor with H-9 form type). - Due Diligence Vendor-04/15/2025 |  | Acknowledged-Acknowledged in comment: H-9 contains additional verbiage that informs the borrower that the right of rescission applies only to the new credit transaction and does not allow rescission of the prior loan. Right to Cancel period and information is substantially included in both form H-8 and H-9. Finding downgraded to non-material - Due Diligence Vendor-04/24/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% 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 - 14.17 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 - 14.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | xxx |
| 19262160 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14814486 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18689167 | xxx | xxx D A | Closed | FCRE1342 | 2025-04-11 19:30 | 2025-04-15 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx Statements Provided - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/15/2025 <br> Counter-Missing the xxx xxx xxx xxx statement, Please provide. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/14/2025 <br> Open-Borrower 1 xxx xxx Statements Missing xxx statements used to qualify Borrower are missing from the file. - Due Diligence Vendor-04/11/2025 |  | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/15/2025<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 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 - 27.01 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.14% 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 68.06 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 0.01<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.24% 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 - 22 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18689167 | xxx | xxx D A | Closed | FCOM4227 | 2025-04-11 17:29 | 2025-04-14 12:10 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/14/2025 <br> Open-\*\*\*• Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation) is missing. Revised Closing Disclosure(s) with associated Changed Circumstance Detail form(s) are missing, if any. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. -----per documentation provided ICD should be dated xxx - Due Diligence Vendor-04/12/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/14/2025<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 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 - 27.01 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.14% 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 68.06 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 0.01<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.24% 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 - 22 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18689167 | xxx | xxx D A | Closed | FCOM8227 | 2025-04-12 09:52 | 2025-04-14 12:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/14/2025 <br> Open-Evidence of Rate Lock Missing 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. --- per documentation provided last/locked LE issued xxx has not been provided - Due Diligence Vendor-04/12/2025 |  | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-04/14/2025<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 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 - 27.01 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.14% 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 68.06 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 0.01<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.24% 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 - 22 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17610430 | xxx | xxx D A | Closed | FCRE5782 | 2025-04-14 02:23 | 2025-04-16 14:37 | 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-04/16/2025 <br>Ready for Review-Document Uploaded. GAP CREDIT REPORT - Seller-04/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. GAP CREDIT REPORT - Seller-04/16/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/16/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.09% 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 62.47 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 - 5.26 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.4% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15625488 | xxx | xxx C A | Closed | FCRE1254 | 2025-04-15 13:46 | 2025-05-21 08:19 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 <br> Counter-Page 2 of the uploaded conveyance deed indicates an incomplete notary date for signor xxx xxx. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Seller-04/22/2025 <br> Open-<br> \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Conveyance Deed and documentation to convey title from xxx xxx and xxx xxx to xxx xxx, has not been provided<br> - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025 <br>Ready for Review-Document Uploaded. - Seller-04/22/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/21/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.60 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.83 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 - 15 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15625488 | xxx | xxx C A | Closed | finding-3647 | 2025-04-15 13:50 | 2025-05-01 08:53 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | NY Subprime Home Loan Initial Loan Estimate Delivery Date Validation Test | Resolved-\*\*\* Loan Type Changed from xxx at application, to xxx xxx . LE issued within 3 days of loan type change. LE issue date of xxx, pass xxx xxx , resolved based on loan product change date. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-This isn't a xxx xxx loan and the LE date is xxx - Seller-04/30/2025 <br> Open-This loan failed the xxx xxx xxx home loan initial loan estimate delivery date validation test. (xxx xxx Law 6-m §14(b))The initial loan estimate delivery date was not provided.The initial loan estimate delivery date is required to determine the "fully indexed rate" as used in the xxx xxx xxx home loan definition. xxx xxx Disclosure has not been provided - Due Diligence Vendor-04/15/2025 | Ready for Review-This isn't a xxx xxx loan and the LE date is xxx - Seller-04/30/2025 | Resolved-\*\*\* Loan Type Changed from HELOC at application, to Fixed Rate. LE issued within 3 days of loan type change. LE issue date of xxx, pass xxx Subprime, resolved based on loan product change date. - Due Diligence Vendor-05/01/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.60 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.83 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 - 15 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15625488 | xxx | xxx C A | Closed | FCOM1080 | 2025-04-14 11:25 | 2025-04-25 08:28 | Resolved | 1 - Information C A | Compliance | TRID | Service provider list not provided within 3 days of application | Resolved-\*\*\* Loan Type Changed from xxx at application, to xxx xxx . LE issued within 3 days of loan type change - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\* Application xxx originated for a xxx . Transaction changed to a xxx xxx / xxx consumer purpose loan type on or before xxx . Please provided complete COC event dates and TRID disclosure package to include Service Provider List, that was sent to the borrower. \*\*\*Compliance tests provided indicate an Initial LE and service provider list was provided xxx - Please send these items - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-\*\*\* Loan Type Changed from HELOC at application, to Fixed Rate. LE issued within 3 days of loan type change - Due Diligence Vendor-04/25/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.60 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.83 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 - 15 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15625488 | xxx | xxx C A | Closed | FCOM3957 | 2025-04-14 11:21 | 2025-04-25 08:24 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-\*\*\* Loan Type Changed from xxx at application, to xxx xxx . LE issued within 3 days of loan type change - Due Diligence Vendor-04/25/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\* Application xxx originated for a xxx . Transaction changed to a xxx xxx / xxx consumer purpose loan type on or before xxx . Please provided complete COC event dates and TRID disclosure package to include Service Provider List, that was sent to the borrower. \*\*\*Compliance tests provided indicate an Initial LE and service provider list was provided xxx- Please send these items - Due Diligence Vendor-04/15/2025 |  | Resolved-\*\*\* Loan Type Changed from HELOC at application, to Fixed Rate. LE issued within 3 days of loan type change - Due Diligence Vendor-04/25/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.60 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.83 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 - 15 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15625488 | xxx | xxx C A | Closed | FCOM4227 | 2025-04-14 11:24 | 2025-04-22 09:48 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD provided is sufficient. Thank you. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Seller-04/22/2025 <br> Open-\*\*\*\*\*• Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation) is missing. Revised Closing Disclosure(s) with associated Changed Circumstance Detail form(s) are missing, if any. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. \*\*\* documentation provided indicates a ICD issued xxx - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025<br>| Resolved-ICD provided is sufficient. Thank you. - Due Diligence Vendor-04/22/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.60 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.83 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 - 15 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19667486 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11265402 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16406870 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16451278 | xxx | xxx D A | Closed | FCRE5116 | 2025-04-16 13:49 | 2025-04-17 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-1st Lien Mortgage statement provided. Next Due xxx UPB is less than what the Lender used to calculate the combined CLTV. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. Thanks - Buyer-04/16/2025 <br> Open-Lien Position is not 1 (First Position) Provide a copy of the first lien original Note or Mortgage Statement for the subject property. - Due Diligence Vendor-04/16/2025 |  | Resolved-1st Lien Mortgage statement provided. Next Due xxx UPB is less than what the Lender used to calculate the combined CLTV. - Due Diligence Vendor-04/17/2025 | 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 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 0.24<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18458155 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12372000 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13772309 | xxx | xxx C A | Closed | FCOM4227 | 2025-04-14 14:25 | 2025-04-24 07:19 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Documentation provided is sufficient. Thank you - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. document is signed by the borrower - Seller-04/23/2025 <br>Counter-Documentation provided does not include proof of delivery to borrower for ICD issued 4/2/2025. <br>- Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. - Seller-04/18/2025 <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-04/16/2025 | Ready for Review-Document Uploaded. document is signed by the borrower - Seller-04/23/2025 <br>Ready for Review-Document Uploaded. - Seller-04/18/2025<br>| Resolved-Documentation provided is sufficient. Thank you - Due Diligence Vendor-04/24/2025<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 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<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 - 11.56 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 35.63% 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 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12753823 | xxx | xxx D A | Closed | FCRE1503 | 2025-04-16 10:18 | 2025-04-18 07:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-First Lien Mortgage statement provided. - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. Please review attached 1st mtg stmt.<br> Thank you. - Seller-04/16/2025 <br>Open-Missing mortgage statement for borrower's primary residence. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Please review attached 1st mtg stmt.<br> Thank you. - Seller-04/16/2025<br>| Resolved-First Lien Mortgage statement provided. - Due Diligence Vendor-04/18/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.4% 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 39.55 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 - 17.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.58 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.97% Is Below the Guideline Maximum Of 80% 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 - 16.68 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18325699 | xxx | xxx C A | Closed | FCRE1159 | 2025-04-14 10:19 | 2025-04-18 13:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Please review attached EOI with correct policy date.<br> The subject property is in xxx xxx / xxx xxx xxxtherefore the EOI effective date is from the Funded date xxx.<br> Thank you. - Seller-04/18/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Please review attached EOI with correct policy date.<br> The subject property is in xxx State / xxx xxx State therefore the EOI effective date is from the xxx date xxx.<br> Thank you. - Seller-04/18/2025 | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/18/2025 | 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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 22.23 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 - 22.23 Years<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11084147 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12151852 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 13416588 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11931810 | xxx | xxx D A | Closed | FCRE7497 | 2025-04-16 16:14 | 2025-04-18 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-xxx xxx xxx is a New Purchase transaction, First payment letter provided (xxx) $xxx- Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. No Mortgage Rating the loan closed xxx<br> Purchase Investment<br> See the attached.<br> Insurance<br> Taxes<br> Property Profile<br> Note and Deed and Payment Letter - Seller-04/17/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property. <br>Please provide the Mortgage Statement or VOR, Tax Certification and HOI document for the investment property located at xxx xxx xxx, xxx xxx , xxx xxx .<br>The Other Rental Income Worksheet will be updated upon receipt. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. No Mortgage Rating the loan closed xxx <br> Purchase Investment<br> See the attached.<br> Insurance<br> Taxes<br> Property Profile<br> Note and Deed and Payment Letter - Seller-04/17/2025 | Resolved-xxx is a New Purchase transaction, First payment letter provided (escrowed) $xxx - Due Diligence Vendor-04/18/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.98% 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 18.48 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 xxx 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 0.21 |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11931810 | xxx | xxx D A | Closed | FCRE1764 | 2025-04-16 16:17 | 2025-04-18 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-xxx xxx xxx is a New Purchase transaction, First payment letter provided (xxx) $xxx- Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. No Mortgage Rating the loan closed xxx<br> Purchase Investment<br> See the attached.<br> Insurance<br> Taxes<br> Property Profile<br> Note and Deed and Payment Letter - Seller-04/17/2025 <br> Open-Missing Verification of Mortgage for the investment property located at xxx xxx xxx , xxx xxx , xxx xxx .<br>Per the final loan application, the mortgage is with xxx acct #xxx $xxx balance and PI payment of $xxx . The lender's guidelines allow up to 1x30 in the most recent 12 months. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. No Mortgage Rating the loan closed xxx<br> Purchase Investment<br> See the attached.<br> Insurance<br> Taxes<br> Property Profile<br> Note and Deed and Payment Letter - Seller-04/17/2025 | Resolved-xxx is a New Purchase transaction, First payment letter provided (escrowed) $xxx - Due Diligence Vendor-04/18/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.98% 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 18.48 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 xxx 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 0.21 |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10570453 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 12107383 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17447567 | xxx | xxx C A | Closed | FCRE2994 | 2025-04-17 16:38 | 2025-04-21 07:26 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Updated 1008 with audited Ratios provided. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/18/2025 <br> Open-DTI variance due to 1008 First Mortgage P&I amount $xxx includes Tax & Insurance amount. UW added taxes and insurance twice. - Due Diligence Vendor-04/17/2025 |  | Resolved-Updated 1008 with audited Ratios provided. - Due Diligence Vendor-04/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.59 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 57.77% 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 31.47% 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 xxx 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 0.09<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<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 - 26.09 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12992964 | xxx | xxx D A | Closed | FCRE1184 | 2025-04-18 14:08 | 2025-04-22 15:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | AUS Not Provided | Resolved-AUS Findings Report is fully present - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. Please see attached updated 1008, this is a Stand Alone 2nd that was manually UW. - Seller-04/22/2025 <br> Open-Missing AUS Findings Report Missing AUS DU not located in file DU case #xxx- Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Please see attached updated 1008, this is a xxx xxx xxx that was manually UW. - Seller-04/22/2025 | Resolved-AUS Findings Report is fully present - Due Diligence Vendor-04/22/2025<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 - 23.29 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 - 23.28 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.07 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 - 8.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14231780 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12419178 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14402048 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14257600 | xxx | xxx D A | Closed | FCRE1316 | 2025-04-17 13:07 | 2025-04-22 08:37 | 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-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.46% 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 xxx 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 - 40.25 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.82 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<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 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 - 6.43 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14295258 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14263432 | xxx | xxx D A C | Closed | FPRO1245 | 2025-04-16 09:02 | 2025-05-13 13:54 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-1004D dated xxx & xxx Provided stating Free and clear of xxx related damage<br> - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Please see attached. - Buyer-05/12/2025 <br> Open-Primary Value Appraisal is Expired Missing value update to appraisal and xxx (xxx xxx xxx) Appraisal was done before xxx xxx for xxx xxx. - Due Diligence Vendor-04/16/2025 |  | Resolved-1004D dated xxx & PDI Provided stating Free and clear of xxx related damage<br> - Due Diligence Vendor-05/13/2025 | 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 - 6.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.44 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 24.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14263432 | xxx | xxx D A C | Closed | FCRE1316 | 2025-04-18 19:47 | 2025-04-21 14:14 | 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-04/21/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/19/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Previous information is from xxx xxx. - Due Diligence Vendor-04/18/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/21/2025<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 - 6.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.44 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 24.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12291952 | xxx | xxx D A | Closed | FCOM1274 | 2025-04-17 13:28 | 2025-04-18 13:43 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Rebut-this is a 2nd lien in which the escrows are handled through the first mortgage. Escrow waiver not required. - Buyer-04/18/2025 <br>Open-Escrow Waiver is Missing - Due Diligence Vendor-04/17/2025 |  | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-04/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.91 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 22.78% 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 - 7.00 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16790329 | xxx | xxx D A | Closed | FCRE5782 | 2025-04-17 13:40 | 2025-04-22 09:34 | 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-04/22/2025 <br> Ready for Review-The PreClose credit report provided in the closed-loan package, page xxx of xxx is dated xxx. Our note date is xxx. Please re-review and advise! - Seller-04/21/2025 <br> Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-04/17/2025 | Ready for Review-The PreClose credit report provided in the closed-loan package, page xxx of xxx is dated xxx. Our note date is xxx. Please re-review and advise! - Seller-04/21/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.77% 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 xxx is Greater Than The Guideline Minimum Of 70 By Twenty (20) or More Points<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 - 14.65 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.15 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 66.34% 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 - 6.08 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 - 15.34 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 - 16.17 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16790329 | xxx | xxx D A | Closed | FCRE5783 | 2025-04-17 13:40 | 2025-04-22 09:34 | 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-04/22/2025 <br> Ready for Review-The PreClose credit report provided in the closed-loan package, page xxx of xxx is dated xxx. Our note date is xxx. Please re-review and advise! - Seller-04/21/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-04/17/2025 | Ready for Review-The PreClose credit report provided in the closed-loan package, page xxx of xxx is dated xxx. Our note date is xxx. Please re-review and advise! - Seller-04/21/2025 | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.77% 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 xxx is Greater Than The Guideline Minimum Of 70 By Twenty (20) or More Points<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 - 14.65 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.15 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 66.34% 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 - 6.08 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 - 15.34 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 - 16.17 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10817947 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14064371 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12166712 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19658582 | xxx | xxx D A | Closed | FCRE2109 | 2025-04-17 18:47 | 2025-04-22 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Open-Missing Lender Worksheet or xxx Statement Summary Lender Worksheet is missing. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/22/2025<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>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 - 14.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10600194 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19429798 | xxx | xxx C A | Closed | FPRO1245 | 2025-04-17 15:34 | 2025-05-06 19:35 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Resolved. AVM used as Primary Value for 2nd lien product. Appraisal provided was for additional support only as it was from a prior transaction of 1st lien. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-This is a Non-HPML loan that closed xxx using a xxx xxx xxx dated xxx with xxx % confidence score. An updated valuation product is not needed, please waive the condition accordingly. - Seller-05/06/2025 <br> Open-Primary Value Appraisal is Expired. Please Can Provide Updated Appraisal Doc - Due Diligence Vendor-04/17/2025 | Ready for Review-This is a Non-HPML loan that closed xxx using a xxx xxx AVM dated xxx with xxx% confidence score. An updated valuation product is not needed, please waive the condition accordingly. - Seller-05/06/2025 | Resolved-Resolved. AVM used as Primary Value for 2nd lien product. Appraisal provided was for additional support only as it was from a prior transaction of 1st lien. - Due Diligence Vendor-05/06/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.69% 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 0.08<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 - 6.31 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.84% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17292800 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12588598 | xxx | xxx C A | Closed | FCRE1200 | 2025-04-17 08:06 | 2025-04-23 10:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of $xxx is greater than or equal to the Guideline Minimum Loan Amount of $xxx - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/22/2025 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Audited Loan Amount of $xxx is less than the Guideline Minimum Loan Amount of $xxx. - Due Diligence Vendor-04/20/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025<br>| Resolved-Audited Loan Amount of $xxx is greater than or equal to the Guideline Minimum Loan Amount of $xxx - Due Diligence Vendor-04/23/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.43 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 64.22% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14864507 | xxx | xxx B A | Closed | FCOM1797 | 2025-04-22 08:04 | 2025-04-23 09:26 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. here you go. - Buyer-04/22/2025 <br>Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-04/22/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/23/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.04 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 39.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.15% 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 - 5.78 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12496367 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10038813 | xxx | xxx D A | Closed | FCRE1345 | 2025-04-21 13:02 | 2025-04-22 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Lease Agreements Missing | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Seller-04/22/2025 <br> Open-Borrower 1 Lease Agreements Missing Missing lease agreement for property located at xxx xxx to verify $xxx /mo xxx income. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025<br>| Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-04/22/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.57 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 74.94% Is Below the Guideline Maximum Of 85% 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 0.06<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 - 9.92 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10038813 | xxx | xxx D A | Closed | FCRE2109 | 2025-04-21 13:04 | 2025-04-22 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/22/2025 <br>Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/22/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.57 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 74.94% Is Below the Guideline Maximum Of 85% 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 0.06<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 - 9.92 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19325836 | xxx | xxx D A | Closed | FCRE1316 | 2025-04-21 11:33 | 2025-04-23 14:57 | 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-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 - 3rd Party VOE Prior to Close Missing. <br>Per the lender's guidelines for 12 month xxx statement, when Personal & Business-Combined or Business (12mo or 24mo), at least one of the borrowers must be self-employed for at least 2 years (25% or greater ownership). The loan file does not contain evidence (business license, business search, Articles of Incorporation, etc.) verifying self-employment of 2 years as 25% owner of xxx from a 3rd party. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/23/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.97% 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 - 24.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.08% 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 - 11.02 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 - 27.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17450713 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18432133 | xxx | xxx D A | Closed | FCRE1503 | 2025-04-21 20:47 | 2025-04-23 12:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. - Seller-04/22/2025 <br> Open-xxx Property Mortgage Statement is Missing - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025<br>| Resolved-Mortgage statement provided - Due Diligence Vendor-04/23/2025<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 - 26.14 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 - 26.13 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 49.62 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 - 8.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15882414 | xxx | xxx C A | Closed | FCRE1332 | 2025-04-21 13:31 | 2025-04-25 09:30 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. Borrower paystub attached and explanation of short 2nd week hours for Dr. Visit. Including prior job and pay stubs submitted, this will cover over 30 days of stubs. Borrower previously worked at this job, he is part of union. - Seller-04/24/2025 <br>Open-Borrower 1 Paystubs Less Than 1 Month Provided - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Borrower paystub attached and explanation of short xxx week hours for xxx. xxx. Including prior job and pay stubs submitted, this will cover over xxx days of stubs. Borrower previously worked at this job, he is part of xxx. - Seller-04/24/2025 | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-04/25/2025<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<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 - 20.00 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18779709 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14594630 | xxx | xxx D A | Closed | FCRE1827 | 2025-04-22 11:02 | 2025-04-23 14:51 | Resolved | 1 - Information D A | Credit | Missing Doc | US Driver's License or other US or foreign government-issued photo ID Incomplete | Resolved-Passport provided. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. - Seller-04/23/2025 <br>Open-Please provide an updated driving license, as the one available in the file has expired - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Passport provided. - Due Diligence Vendor-04/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.4% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 - 6.37 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.1 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 67.38% 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 - 6.58 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 - 24.42 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 - 24.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14054695 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14757499 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19614260 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19566122 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18741069 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17900945 | xxx | xxx C A | Closed | FCRE8611 | 2025-04-23 15:46 | 2025-04-25 17:17 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-Updated 1008 provided. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/25/2025 <br> Open-Income reflected on the Final 1003 is $xxx. Income on the 1008 reflects $xxx which is supported. DTI discrepancy due to income difference. DTI reflected on 1008 is 26.221% / 43.257%. Audited DTI is 12.80% / 29.84%. Please provide updated 1008. - Due Diligence Vendor-04/23/2025 |  | Resolved-Updated 1008 provided. - Due Diligence Vendor-04/25/2025<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 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 - 6.28 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 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.56 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 24.23% 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 29.84% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15217945 | xxx | xxx B A | Closed | FCRE1182 | 2025-04-21 09:49 | 2025-04-25 12:25 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. - Seller-04/24/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/25/2025<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 - 10.45 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 - 19.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19988729 | xxx | xxx C A | Closed | FCRE6387 | 2025-04-24 13:07 | 2025-04-27 08:47 | Resolved | 1 - Information C A | Credit | Eligibility | Property has been listed for sale in the past twelve months | Resolved-Corrected Appraisal provided. - Due Diligence Vendor-04/27/2025 <br>Ready for Review-Document Uploaded. See the corrected Appraisal amending the listing on the property. - Seller-04/26/2025 <br>Open-Property has been listed for sale in the past twelve months. Per the lender's guidelines (Recently Listed Properties), properties listed for sale in the last 6 months are not eligible. Per the appraisal, the subject property has been listed for sale within the last 12 months with no date provided for the closing of the listing. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. See the corrected Appraisal amending the listing on the property. - Seller-04/26/2025 | Resolved-Corrected Appraisal provided. - Due Diligence Vendor-04/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.49 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 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 Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11013305 | xxx | xxx B A | Closed | FCRE1182 | 2025-04-23 23:40 | 2025-04-29 10:36 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Take 2! Please see attached. - Buyer-04/28/2025 <br> Counter-The 1008 Provided does not reflect the correct CLTV/HCLTV - Subject Loan is a 2nd Lien and that's not being reflected in the LTV ratios. - Due Diligence Vendor-04/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-04/25/2025 <br> Open-1008/Underwriting Summary Not Provided Provide the final Underwriting and Transmittal Summary reflecting the correct CLTV. - Due Diligence Vendor-04/24/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/29/2025<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 - 12.88 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.39% 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 - 18.00 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 - 26.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14998093 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11513846 | xxx | xxx D A | Closed | FCRE1504 | 2025-04-24 15:34 | 2025-04-30 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Partially Provided | Resolved-Updated CBR dated xxx provided for 1st Mortgage Lien. 0x30 - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. See the attached Credit report showing -0- lates and paid current - Seller-04/29/2025 <br> Open-Mortgage Statement(s) Partially Provided. The subject property has a 1st lien mortgage with xxx acct# xxx reporting through xxx. The loan file contains mortgage statements verifying the xxx & xxx payments were made on time; however, the mortgage statement for the xxx payment is missing. <br>Per the lender's guidelines, 0x30x12 is required on all mortgages for all borrowers. Please provide proof the xxx $xxx payment was made. <br>1st lien Mortgage Statement xxx <br> Credit reports xxx #xxx through xxx<br> Proof of xxx & xxx payment- missing proof of xxx payment - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. See the attached Credit report showing - xxx- lates and paid current - Seller-04/29/2025 | Resolved-Updated CBR dated xxx provided for 1st Mortgage Lien. 0x30 - Due Diligence Vendor-04/30/2025 | 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 - 25.83 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 - 18.57 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16445320 | xxx | xxx D A | Closed | FCRE1728 | 2025-04-24 21:05 | 2025-05-01 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-All pages of the Lease Agreement provided supporting monthly rental of $xxx - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Counter-the lease agreement provided is missing xxx. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Lease Agreement in lieu of the 1007 - Seller-04/29/2025 <br> Counter-A property report is not a Lease agreement or a 1007 to verify the Rental Income of $xxx for property xxx - Due Diligence Vendor-04/27/2025 <br> Ready for Review-Document Uploaded. - Seller-04/26/2025 <br> Open-Missing rent comparable schedule form 1007 (or lease) for investment property located at xxx verifying rental income of $xxx a month used to qualify. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Ready for Review-Document Uploaded. Lease Agreement in lieu of the 1007 - Seller-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/26/2025<br>| Resolved-All pages of the Lease Agreement provided supporting monthly rental of $xxx - Due Diligence Vendor-05/01/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - . QC added condition for: Audited DTI 48.56% is higher than lender's DTI 45.41% by 3.15% (1008 states 34.164% but the calculation is wrong). <br>Audited Borrower income $29,176. vs lender's $29,176<br> Audited Primary residence PITIA $3550.14 vs lender's $3552.68 <br> Audited Net rental income -$2383.73 vs lender's -$2214.19 <br> Audited Other rental income -$3852.39 vs lender's -$3760.38 <br> Audited All Other Monthly pmts $2545 vs lender's $3993<br> Audited Total All Payments $12,331.26 vs lender's $13,250.25<br>The DTI will be recalculated upon receipt of the requested documents covered in conditions for missing documents. <br> Calculated DTI Of 42.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.png<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16445320 | xxx | xxx D A | Closed | FCRE7497 | 2025-04-24 20:59 | 2025-04-27 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage Statement & New Note provided for xxx. Mortgage statements provided xxx, xxx, xxx, xxx, xxx. (all escrowed) - Due Diligence Vendor-04/27/2025 <br> Ready for Review-Document Uploaded. - Seller-04/26/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property. <br>Please provide documentation for the following investment properties: <br>xxx<br> Missing 1st lien with xxx #xxx $xxx balance $xxx payment - missing verification of PI, tax, and hazard insurance payment <br>xxx <br> 1st lien with xxx #xxx $xxx balance $xxx payment - missing 1st lien Note or mortgage statement for PI<br> Missing verification of tax and hazard insurance payment <br> Missing lease agreement or Form 1007 verifying $xxx/mo used to qualify<br>xxx<br> Missing verification of tax and hazard insurance payment - audit used total escrow per mortgage statement $xxx as placeholder <br>xxx<br> Missing verification of tax and hazard insurance payment - audit used total escrow per mortgage statement $xxx as placeholder <br>xxx<br> Missing verification of tax and hazard insurance payment - audit used total escrow per mortgage statement $xxx as placeholder <br>- Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/26/2025<br>| Resolved-Mortgage Statement & New Note provided for xxx. Mortgage statements provided xxx, xxx, xxx, xxx, xxx. (all escrowed) - Due Diligence Vendor-04/27/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - . QC added condition for: Audited DTI 48.56% is higher than lender's DTI 45.41% by 3.15% (1008 states 34.164% but the calculation is wrong). <br>Audited Borrower income $29,176. vs lender's $29,176<br> Audited Primary residence PITIA $3550.14 vs lender's $3552.68 <br> Audited Net rental income -$2383.73 vs lender's -$2214.19 <br> Audited Other rental income -$3852.39 vs lender's -$3760.38 <br> Audited All Other Monthly pmts $2545 vs lender's $3993<br> Audited Total All Payments $12,331.26 vs lender's $13,250.25<br>The DTI will be recalculated upon receipt of the requested documents covered in conditions for missing documents. <br> Calculated DTI Of 42.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16445320 | xxx | xxx D A | Closed | FCRE1503 | 2025-04-24 21:03 | 2025-04-27 08:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved- - Due Diligence Vendor-04/27/2025 <br> Ready for Review-Document Uploaded. Final CD, Note and Deed – loan closed xxx - Seller-04/26/2025 <br> Open-Mortgage Statement(s) Missing for the Primary residence at xxx. <br>Please provide for 2nd lien with xxx #xxx $xxx balance $xxx payment. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Final CD, Note and Deed – loan closed xxx - Seller-04/26/2025 |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - . QC added condition for: Audited DTI 48.56% is higher than lender's DTI 45.41% by 3.15% (1008 states 34.164% but the calculation is wrong). <br>Audited Borrower income $29,176. vs lender's $29,176<br> Audited Primary residence PITIA $3550.14 vs lender's $3552.68 <br> Audited Net rental income -$2383.73 vs lender's -$2214.19 <br> Audited Other rental income -$3852.39 vs lender's -$3760.38 <br> Audited All Other Monthly pmts $2545 vs lender's $3993<br> Audited Total All Payments $12,331.26 vs lender's $13,250.25<br>The DTI will be recalculated upon receipt of the requested documents covered in conditions for missing documents. <br> Calculated DTI Of 42.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10259748 | xxx | xxx C A | Closed | FCRE1501 | 2025-04-24 13:31 | 2025-04-30 14:05 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-Unexpired DL for B2 provided. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <br> Open-Provide an copy of b2 / xxx unexpired drivers license. License in file expired xxx but the USA Patriot Act reflects a new license was obtained on xxx - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025<br>| Resolved-Unexpired DL for B2 provided. - Due Diligence Vendor-04/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.12% 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 8.48 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 xxx 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 39.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19877637 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 19744647 | xxx | xxx D A | Closed | FCOM2630 | 2025-04-23 14:08 | 2025-04-28 08:27 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. - Seller-04/25/2025 <br> Open-Right To Choose Attorney or Attorney Preference Not In File Right to choose own Attorney disclosure provided on xxx however signature is missing. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/28/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16147339 | xxx | xxx D A | Closed | FCRE1152 | 2025-04-22 20:08 | 2025-05-08 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Evidence of Property Tax Missing | Resolved-Property Report provided for xxx. which is Vacant land - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-Property Tax Missing #xxx. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Property Report provided for xxx. which is Vacant land - Due Diligence Vendor-05/08/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19692026 | xxx | xxx D A | Closed | FCRE1316 | 2025-04-22 17:10 | 2025-04-28 09:21 | 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-04/28/2025 <br> Ready for Review-The WVOE is dated xxx and the Note date is xxx - this is within the time frame for the final VOE, it's less than 10 days! Please review and advise. Thank you! - Seller-04/25/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/22/2025 | Ready for Review-The WVOE is dated xxx and the Note date is xxx - this is within the time frame for the final VOE, it's less than 10 days! Please review and advise. Thank you! - Seller-04/25/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/28/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.41 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 - 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 - 9.12 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16554133 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10518911 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10614531 | xxx | xxx D A | Closed | FCRE1193 | 2025-04-23 10:08 | 2025-04-27 09:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.38% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/27/2025 <br> Ready for Review-Document Uploaded. - Seller-04/25/2025 <br> Open-Audited DTI of 63.54% exceeds Guideline DTI of 50% Lender rental worksheet in file under doc xxx and it reflects monthly rental income of $xxx a month. The full PITIA on subject is $xxx making the neg rent $xxx. There is a current personal tax return in file and rental property is on sched e for 12 months and TPR used those numbers to calculate neg rental income. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Audited DTI of 47.38% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.97% 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 - Credit Line Usage Ratio equals 0.11<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.72 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 - 14.17 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 - 14.18 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10614531 | xxx | xxx D A | Closed | FCRE7347 | 2025-04-23 20:32 | 2025-04-27 09:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Proof of Bwr's Primary Residence (2 Units) rental income provided. - Due Diligence Vendor-04/27/2025 <br> Ready for Review-Document Uploaded. - Seller-04/25/2025 <br> Open-Lender is using rental income for property xxx in the amount of $xxx a month but no evidence of income source provided . Lease updated in the package doesn't match the property address it is for another property that the previous owner of xxx rented out at xxx. This is not are subject, borrower, etc. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Proof of Bwr's Primary Residence (2 Units) rental income provided. - Due Diligence Vendor-04/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.97% 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 - Credit Line Usage Ratio equals 0.11<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.72 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 - 14.17 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 - 14.18 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11922944 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10161255 | xxx | xxx C A | Closed | finding-47 | 2025-04-23 14:52 | 2025-04-28 08:37 | 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-04/28/2025 <br> Ready for Review-Document Uploaded. Per the PCCD, this loan did not disburse until the 16th. - Seller-04/25/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - 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-04/24/2025 | Ready for Review-Document Uploaded. Per the PCCD, this loan did not disburse until the xxx. - Seller-04/25/2025 | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/28/2025<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 - 11.00 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 - 10.70 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.99% 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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.93% 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 7.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 10726681 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14725590 | xxx | xxx C A | Closed | FCRE1254 | 2025-04-25 10:37 | 2025-05-22 07:56 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title Policy & Sub agreement provided. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. Typically, a final title policy would not show the loan that is closing. We would use the final title policy to show current liens, then the subordination agreement showing the current 2nd lien will be subordinate to the new lien, putting the new lien in 2nd lien position. <br>We would not be able to produce a final title policy with the new lien showing on it in any lien position, we would need to order a new title report that would show them in 2nd lien position. <br>Please advise. <br> Thank you, <br> I work remotely, best method of communication is through email<br> xxx - xxx<br> - Seller-05/20/2025 <br> Open-Property Title Issue Lien in amount of $xxx with xxx reporting on title. Proposed Amount of Insurance listed as $xxx, when loan amount is $xxx. No supplement in file. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. Typically, a final title policy would not show the loan that is closing. We would use the final title policy to show current liens, then the subordination agreement showing the current 2nd lien will be subordinate to the new lien, putting the new lien in 2nd lien position. <br>We would not be able to produce a final title policy with the new lien showing on it in any lien position, we would need to order a new title report that would show them in 2nd lien position. <br>Please advise. <br> Thank you, <br> I work remotely, best method of communication is through email<br> xxx - Underwriter<br> - Seller-05/20/2025 | Resolved-Title Policy & Sub agreement provided. - Due Diligence Vendor-05/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.17 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 62.57% 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 - 8.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.4% 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 |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12991276 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10130022 | xxx | xxx D A | Closed | FCRE1325 | 2025-04-24 13:42 | 2025-04-28 08:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/28/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 13813450 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11213940 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19149161 | xxx | xxx C A | Closed | FCRE5790 | 2025-04-24 17:44 | 2025-04-27 09:08 | 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-04/27/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit in file is 26 days from close - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/27/2025<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 - 25.08 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 - 25.31 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.58% 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 21.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13049657 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18150464 | xxx | xxx D A | Closed | FCRE2109 | 2025-04-24 18:17 | 2025-05-01 10:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Loan is a Full Doc loan and Lender Worksheet or xxx Statement Summary is not required. - Seller-04/30/2025 <br>Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-04/24/2025 | Ready for Review-Loan is a Full Doc loan and Lender Worksheet or Bank Statement Summary is not required. - Seller-04/30/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/01/2025<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 - 15.08 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 - 9.04 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.11% 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.08 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11167858 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 15932619 | xxx | xxx C A | Closed | finding-47 | 2025-04-25 01:41 | 2025-04-29 08:50 | 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-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/28/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*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-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/29/2025<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 - 23.18 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 - 23.19 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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14690391 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18586285 | xxx | xxx D A | Closed | FCRE1964 | 2025-04-24 08:15 | 2025-04-28 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-2023 Sch-C Profit and Loss From Business for B2 located in the Original file on xxx - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Please reference xxx & xxx of xxx in the closed-loan package. Thank you - Seller-04/28/2025 <br> Open-B2 xxx Year 1040 Sch C doc is missing or incomplete - Due Diligence Vendor-04/24/2025 | Ready for Review-Please reference pages xxx & xxx of xxx in the closed-loan package. Thank you - Seller-04/28/2025 | Resolved-xxx Sch-C Profit and Loss From Business for B2 located in the Original file on xxx - Due Diligence Vendor-04/28/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.43 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 43.97% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14146564 | xxx | xxx D A | Closed | FCRE1152 | 2025-04-25 12:39 | 2025-04-29 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Evidence of Property Tax Missing | Resolved-Property report (AG/Rural land only) with LOE stating No Mortgage Lien or HOI was provided. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. This prop is farmland & we have applied the taxes in REO. please see attached LOE and property profile. - Seller-04/28/2025 <br> Open-Retained investment of xxx is missing documentation to validate monthly housing payment - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. This prop is xxx & we have applied the taxes in REO. please see attached LOE and property profile. - Seller-04/28/2025 | Resolved-Property report (AG/Rural land only) with LOE stating No Mortgage Lien or HOI was provided. - Due Diligence Vendor-04/29/2025<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 - 14.17 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 - 15.30 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 0.08<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.33% 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 - 8.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 39.03% 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 50.48 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 xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11566574 | xxx | xxx C A | Closed | FPRO1245 | 2025-04-24 04:42 | 2025-04-29 12:40 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Per the Appraisal Guidelines below.<br>Age of Appraisal and Appraisal Update Requirements<br>When an appraisal is obtained, the property must be appraised within the 12 months prior to the date of the note and mortgage.<br>When the effective date of the original appraisal report is more than four months but less than 12 months from the date of the note and mortgage, the appraiser must perform an appraisal update that includes inspecting the exterior of the property and reviewing current market data to determine whether the property has declined in value since the date of the original appraisal report. This policy applies regardless of whether the property was appraised as proposed or existing construction. The appraisal update must occur within four months prior to the date of the note and mortgage.<br>The original appraiser should complete the appraisal update; however, lenders may use substitute appraisers. When updates are completed by substitute appraisers, the substitute appraiser must review the original appraisal report and express an opinion about whether the original appraisers opinion of market value was reasonable on the date of the original appraisal report. The lender must note in the file why the original appraiser was not used. <br>The xxx and results of the appraisal update must be reported on the Appraisal Update and/or Completion Report (Form 1004D).<br>If the appraiser indicates on the Form 1004D that the property value has declined, then the lender must obtain a new appraisal for the property.<br> If the appraiser indicates on the Form 1004D that the property value has not declined, then the lender may proceed with the loan in process without requiring any additional fieldwork. - Seller-04/28/2025 <br> Open-Primary Value Appraisal is Expired and 1004D Has given - Due Diligence Vendor-04/24/2025 | Ready for Review-Per the Appraisal Guidelines below.<br>Age of Appraisal and Appraisal Update Requirements<br>When an appraisal is obtained, the property must be appraised within the 12 months prior to the date of the note and mortgage.<br>When the effective date of the original appraisal report is more than four months but less than 12 months from the date of the note and mortgage, the appraiser must perform an appraisal update that includes inspecting the exterior of the property and reviewing current market data to determine whether the property has declined in value since the date of the original appraisal report. This policy applies regardless of whether the property was appraised as proposed or existing construction. The appraisal update must occur within four months prior to the date of the note and mortgage.<br>The original appraiser should complete the appraisal update; however, lenders may use substitute appraisers. When updates are completed by substitute appraisers, the substitute appraiser must review the original appraisal report and express an opinion about whether the original appraisers opinion of market value was reasonable on the date of the original appraisal report. The lender must note in the file why the original appraiser was not used. <br>The xxx and results of the appraisal update must be reported on the Appraisal Update and/or Completion Report (Form 1004D).<br>If the appraiser indicates on the Form 1004D that the property value has declined, then the lender must obtain a new appraisal for the property.<br> If the appraiser indicates on the Form 1004D that the property value has not declined, then the lender may proceed with the loan in process without requiring any additional fieldwork. - Seller-04/28/2025 | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.15 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 - 9.13 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.47% 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 - 7.75 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.27% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11566574 | xxx | xxx C A | Closed | finding-47 | 2025-04-25 09:17 | 2025-04-29 09:06 | 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-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/28/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*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-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.15 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 - 9.13 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.47% 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 - 7.75 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.27% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13758869 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11078209 | xxx | xxx D A C | Closed | FCRE1316 | 2025-04-24 18:54 | 2025-04-30 09:50 | 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-04/30/2025 <br>Ready for Review-Document Uploaded. VOE Both borrowers attached. - Seller-04/29/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. VOE Both borrowers attached. - Seller-04/29/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/30/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.92 Are Greater Than The Guideline Minimum Of 0 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 - 6.62 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 - 20.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.83% 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 - 14.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11078209 | xxx | xxx D A C | Closed | finding-3532 | 2025-04-28 03:45 | 2025-04-30 06:40 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. xxx CD confirmed received on xxx, see email in chain of issued CDs. We xxx from data confirmed received. - Seller-04/29/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Documentation provided does not include proof of delivery to borrower for Initial Closing Disclosure issued xxx. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. xxx CD confirmed received on xxx, see email in chain of issued CDs. We county from data confirmed received. - Seller-04/29/2025 | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/30/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.92 Are Greater Than The Guideline Minimum Of 0 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 - 6.62 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 - 20.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.83% 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 - 14.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12139012 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10246654 | xxx | xxx D A | Closed | FCRE6737 | 2025-04-26 12:34 | 2025-05-15 14:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-LOE provided stating This is for benefits that cannot be itemized onto the PDF version of my pay stub. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Open-Lender to obtain supporting documentation that deduction on paystub under "xxx" for $xxx is. This may be a debt that has to be included in the DTI. Lender to verify. This was a new deduction on borrowers paystub with deduction starting on xxx - Due Diligence Vendor-04/26/2025 | Ready for Review-Document Uploaded. - Seller-05/14/2025<br>| Resolved-LOE provided stating This is for benefits that cannot be itemized onto the PDF version of my pay stub. - Due Diligence Vendor-05/15/2025<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 - 15.66 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 - 15.79 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19138840 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15446296 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 18670412 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 15012099 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 12514091 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 10065939 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10070990 | xxx | xxx B A | Closed | FCOM1266 | 2025-04-28 14:05 | 2025-04-30 06:25 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-04/29/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/28/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/30/2025<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 - 7.29 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13328425 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19560478 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10247645 | xxx | xxx C A | Closed | FCRE1437 | 2025-04-28 16:00 | 2025-05-05 08:03 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. Please see attached paystubs dating back to xxx. Borrower received a raise at the end of xxx. YTD average is higher than what UW used for qualifying. - Buyer-05/04/2025 <br> Open-Income and Employment Do Not Meet Guidelines Lender used higher monthly bi weekly income of $xxx at 26 pay checks which gave them a monthly income used of $xxx a month(xxx) and there is no supporting income documents in file to support.<br> Reviewer only sees most recent paystub on xxx showing bi weekly income at 26 pay check of $xxx which is a total monthly of $xxx. \*In need of letter of explanation and supporting documents from Lender on how they got their monthly figure used of $xxx - Due Diligence Vendor-04/28/2025 |  | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-05/05/2025<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>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 - 10.45 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12506580 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11442181 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18563041 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15684319 | xxx | xxx D A | Closed | FCRE5782 | 2025-04-29 15:09 | 2025-05-01 13:00 | 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-05/01/2025 <br>Open- - Due Diligence Vendor-05/01/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide the Gap Credit Report for the borrower and co-borrower. - Due Diligence Vendor-04/29/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 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 0.05 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15684319 | xxx | xxx D A | Closed | FCRE5783 | 2025-04-29 15:09 | 2025-05-01 13:00 | 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-05/01/2025 <br>Open- - Due Diligence Vendor-05/01/2025 <br>Rescinded-Borrower 2 Gap Credit Report is Missing Duplicate condition added. - Due Diligence Vendor-04/29/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025 <br>Rescinded-Borrower 2 Gap Credit Report is Missing Duplicate condition added. - Due Diligence Vendor-04/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 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 0.05 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15684319 | xxx | xxx D A | Closed | FCRE9163 | 2025-04-29 15:06 | 2025-05-01 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-Full Payment schedule provided confirming 2 student loan payments as $xxx - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Provide documentation to support using $xxx payment for xxx balances $xxx and $xxx. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Full Payment schedule provided confirming 2 student loan payments as $xxx - Due Diligence Vendor-05/01/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 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 0.05 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12571457 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14578027 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14086426 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15268480 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16479781 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18989609 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16583844 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 17165116 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 16263482 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11499457 | xxx | xxx C A | Closed | FCOM1797 | 2025-04-29 15:46 | 2025-05-02 09:30 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-uploaded to another condition - Buyer-05/01/2025 <br> Counter-\*\*\*\*\*\*\* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-04/30/2025 <br> Open-SERVICE PROVIDER LIST MISSING. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Initial Disclosure Package issued within 3 days of the application date of xxx, 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-04/30/2025 | Ready for Review-Document Uploaded. see attached - Seller-04/30/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 0.1 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11499457 | xxx | xxx C A | Closed | finding-3634 | 2025-04-29 15:41 | 2025-05-02 09:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-uploaded to another condition - Seller-05/01/2025 <br> Counter-\*\*\*\*\*\*\* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 <br> Ready for Review-we are closed on Thanksgiving, the Friday after and also on Saturdays. This was disclosed within 2 working days. - Seller-04/30/2025 <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 $xxx.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 Disclosure Package issued within 3 days of the application date of xxx, 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-04/30/2025 | Ready for Review-uploaded to another condition - Seller-05/01/2025 <br> Ready for Review-we are closed on xxx, the xxx after and also on xxx . This was disclosed within xxx working days. - Seller-04/30/2025 | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 0.1 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11499457 | xxx | xxx C A | Closed | finding-3635 | 2025-04-29 15:41 | 2025-05-02 09:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-uploaded to another condition - Buyer-05/01/2025 <br> Counter-\*\*\*\*\*\*\* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 <br> Ready for Review-we are closed on Thanksgiving, the Friday after and also on Saturdays. This was disclosed within 2 working days. - Buyer-04/30/2025 <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% ($xxx) exceed the comparable charges ($xxx) 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). \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Initial Disclosure Package issued within 3 days of the application date of xxx, 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-04/30/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 0.1 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11499457 | xxx | xxx C A | Closed | finding-3515 | 2025-04-29 15:41 | 2025-05-02 09:30 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-05/01/2025 <br> Counter-\*\*\*\*\*\*\* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 <br> Ready for Review-we are closed on Thanksgiving, the Friday after and also on Saturdays. This was disclosed within 2 working days. - Buyer-04/30/2025 <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 ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $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 Thanksgiving Day (xxx)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, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Initial Disclosure Package issued within 3 days of the application date of xxx, 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-04/30/2025 | Ready for Review-Document Uploaded. see attached - Seller-05/01/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 0.1 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11499457 | xxx | xxx C A | Closed | finding-3542 | 2025-04-29 15:41 | 2025-05-02 09:30 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-uploaded to another condition<br> - Seller-05/01/2025 <br> Counter-\*\*\*\*\*\*\* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 <br> Ready for Review-we are closed on Thanksgiving, the Friday after and also on Saturdays. This was disclosed within 2 working days. - Seller-04/30/2025 <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:"USPS 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. Documentation provided does not include proof of delivery to borrower for relocked Closing Disclosure issued xxx. - Due Diligence Vendor-04/29/2025 | Ready for Review-uploaded to another condition<br> - Seller-05/01/2025 <br> Ready for Review-we are closed on xxx , the xxx after and also on xxx . This was disclosed within xxx working days. - Seller-04/30/2025 | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 0.1 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11499457 | xxx | xxx C A | Closed | finding-3631 | 2025-04-29 15:41 | 2025-05-02 09:30 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-uploaded to another condition - Buyer-05/01/2025 <br> Counter-\*\*\*\*\*\*\* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 <br> Ready for Review-we are closed on Thanksgiving, the Friday after and also on Saturdays. This was disclosed within 2 working days. - Buyer-04/30/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Initial Disclosure Package issued within 3 days of the application date of xxx, 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-04/30/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 0.1 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11499457 | xxx | xxx C A | Closed | finding-3632 | 2025-04-29 15:41 | 2025-05-02 09:30 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-uploaded to another condition - Buyer-05/01/2025 <br> Counter-\*\*\*\*\*\*\* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 <br> Ready for Review-we are closed on Thanksgiving, the Friday after and also on Saturdays. This was disclosed within 2 working days. - Seller-04/30/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Initial Disclosure Package issued within 3 days of the application date of xxx, 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-04/30/2025 | Ready for Review-we are closed on xxx , the xxx after and also on xxx . This was disclosed within xxx working days. - Seller-04/30/2025 | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 0.1 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11499457 | xxx | xxx C A | Closed | FCOM1266 | 2025-04-29 15:39 | 2025-05-02 09:28 | 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-05/02/2025 <br> Ready for Review-uploaded to another condition - Buyer-05/01/2025 <br> Counter-\*\*\*\*\*\*\* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-04/30/2025 <br> Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Initial Disclosure Package issued within 3 days of the application date of xxx, 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-04/30/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 0.1 |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11499457 | xxx | xxx C A | Closed | FCOM5135 | 2025-04-29 15:39 | 2025-05-02 09:28 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-05/02/2025 <br> Ready for Review-uploaded to another condition - Seller-05/01/2025 <br> Counter-\*\*\*\*\*\*\* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 <br> Ready for Review-we have no affiliated businesses. please escalate - Seller-04/30/2025 <br> Open-Required Affiliated Business Disclosure Missing . \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*Initial Disclosure Package issued within 3 days of the application date of xxx, 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-04/30/2025 | Ready for Review-uploaded to another condition - Seller-05/01/2025 <br>Ready for Review-we have no affiliated businesses. please escalate - Seller-04/30/2025<br>| Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-05/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 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 0.1 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13594318 | xxx | xxx D A | Closed | FCRE1316 | 2025-04-28 04:40 | 2025-05-06 12:34 | 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-05/06/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/05/2025 <br> Counter-the Borrower's Business is 'xxx" however a VVOE was provided for xxx. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/04/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Not provided - Due Diligence Vendor-04/28/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/06/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.21% 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 34.68 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 - 7.88 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 |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11168186 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14375194 | xxx | xxx D A B | Closed | FCRE1316 | 2025-04-28 00:50 | 2025-05-05 10:50 | 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-05/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/04/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/04/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.05 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 - 20.67 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 - 17.81 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.35% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14375194 | xxx | xxx D A B | Closed | FCRE1325 | 2025-04-30 07:36 | 2025-05-05 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Rebut-standard 50% expense factor used for qualifying. CPA letter not required. - Buyer-05/04/2025 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-04/30/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.05 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 - 20.67 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 - 17.81 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.35% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14375194 | xxx | xxx D A B | Closed | FCRE1159 | 2025-04-28 00:38 | 2025-05-05 10:43 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. NOTE-accidently uploaded the wrong VVOE for this file. Correct VVOE is attached here. - Buyer-05/04/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx<br>Hence required Insurance doc for closing date - Due Diligence Vendor-04/28/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.05 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 - 20.67 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 - 17.81 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.35% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14375194 | xxx | xxx D A B | Closed | FCOM1797 | 2025-04-29 03:51 | 2025-05-02 08:41 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-05/01/2025 <br> Counter-Documentation provided is insufficient. \*\*\*\*\*\*\* Please provide entire initial disclosure package, issued within 3 days of application, for review - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-04/30/2025 <br> Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package sent within 3 days of xxx application date, for review - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. see attached - Seller-05/01/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.05 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 - 20.67 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 - 17.81 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.35% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14375194 | xxx | xxx D A B | Closed | FCOM1266 | 2025-04-29 03:51 | 2025-05-02 08:40 | 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-05/02/2025 <br> Ready for Review-Document Uploaded. - Seller-05/01/2025 <br> Counter-Documentation provided is insufficient. \*\*\*\*\*\*\* Please provide entire initial disclosure package, issued within 3 days of application, for review - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-04/30/2025 <br> Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\* Please provide entire initial disclosure package sent within 3 days of xxx application date, for review - Due Diligence Vendor-04/30/2025 <br> Open- - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Ready for Review-Document Uploaded. see attached - Seller-04/30/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.05 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 - 20.67 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 - 17.81 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.35% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17679535 | xxx | xxx D A | Closed | FCRE1316 | 2025-04-29 07:14 | 2025-04-30 07:46 | 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-04/30/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/29/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/29/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/30/2025<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 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 - 16.29 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10862782 | xxx | xxx D A C | Closed | FCRE1330 | 2025-04-30 10:34 | 2025-05-02 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. - Seller-05/01/2025 <br> Open-Borrower 1 Paystubs Missing Missing paystubs for xxx reflecting 30 days of earnings - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/02/2025<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 - 7.78 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 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 - 10.12 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.49% 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 22.8 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 xxx 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 37.66% 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 0.12 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10862782 | xxx | xxx D A C | Closed | FCRE1335 | 2025-04-30 10:38 | 2025-05-02 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-05/01/2025 <br> Open-Borrower 1 IRS Transcripts Missing Missing W2 transcripts for xxx - Due Diligence Vendor-04/30/2025 |  | Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-05/02/2025<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 - 7.78 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 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 - 10.12 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.49% 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 22.8 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 xxx 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 37.66% 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 0.12 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10862782 | xxx | xxx D A C | Closed | FCRE1200 | 2025-04-28 07:34 | 2025-05-02 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of $xxx is greater than or equal to the Guideline Minimum Loan Amount of $xxx - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. min is xxx - Buyer-05/01/2025 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-04/28/2025 |  | Resolved-Audited Loan Amount of $xxx is greater than or equal to the Guideline Minimum Loan Amount of $xxx - Due Diligence Vendor-05/02/2025 | 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 - 7.78 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 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 - 10.12 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.49% 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 22.8 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 xxx 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 37.66% 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 0.12 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10862782 | xxx | xxx D A C | Closed | finding-3631 | 2025-04-29 14:32 | 2025-05-02 09:05 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. please see PCCD and final settlement statement - Seller-05/01/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* xxx Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, xxx consummation. Recording fee increased from xxx to xxx 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. please see PCCD and final settlement statement - Seller-05/01/2025<br>| Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/02/2025<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 - 7.78 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 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 - 10.12 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.49% 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 22.8 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 xxx 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 37.66% 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 0.12 |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10862782 | xxx | xxx D A C | Closed | finding-3632 | 2025-04-29 14:32 | 2025-05-02 09:05 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. please see pccd and final statement - Buyer-05/01/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* xxx Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, xxx consummation. Recording fee increased from xxx to xxx 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2025 |  | Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/02/2025<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 - 7.78 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 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 - 10.12 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.49% 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 22.8 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 xxx 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 37.66% 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 0.12 |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10862782 | xxx | xxx D A C | Closed | finding-3635 | 2025-04-29 14:32 | 2025-05-02 09:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. please see pccd and final statement - Seller-05/01/2025 <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% ($xxx) exceed the comparable charges ($xxx) 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). \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* xxx Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, xxx consummation. Recording fee increased from xxx to xxx 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. please see pccd and final statement - Seller-05/01/2025<br>| Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/02/2025<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 - 7.78 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 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 - 10.12 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.49% 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 22.8 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 xxx 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 37.66% 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 0.12 |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17774809 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10464159 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10433053 | xxx | xxx C B A | Closed | finding-3631 | 2025-04-30 10:59 | 2025-05-12 09:05 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Counter-Document Uploaded. \*\*\* COC form xxx issue xxx - indicates the title fee increase is due to the borrower selecting the Service Provider. This selection binds lender to the charges disclosed in the Initial LE for 10% baseline, it is not an COC event for cost increase. The additional charge/Increases (recording & doc prep & notary) due to the requirement of a conveyance deed, however, does represent a valid COC event and the 10% baseline was reset for those charges on xxx. ---- Please see our compliance report (pg 34) - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Please review comments from our xxx of xxx and advise:<br>They aren't being very specific in saying what fees were in the 10% fee increase, so I would push back asking what about the CoC comments increasing recording fees due to needing to record additional deed isn't acceptable. <br>Thank You,<br> xxx<br> xxx, xxx<br> xxx \| xxx<br> p xxx \| o xxxext xxx<br> xxx \| xxx<br>- Seller-05/06/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*• Service provider for Title Services has been selected , all title services require testing at 10% tolerance baseline issued in Initial Loan Estimate. Increasing tolerance based fees because the charges were found to be under-disclosed in the estimated amount lender disclosed to the borrower in good faith, is not a valid change of circumstance. 10% tolerance cure in the amount of $xxxis required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Ready for Review-Please review comments from our xxx of processing and advise:<br>They aren't being very specific in saying what fees were in the 10% fee increase, so I would push back asking what about the CoC comments increasing recording fees due to needing to record additional deed isn't acceptable. <br>Thank You,<br> xxx xxx<br> xxx , xxx xxx <br> xxx xxx xxx, xxx. xxx\| xxx, xxx xxx<br> p xxx \| o xxx ext xxx<br> xxx.xxx@xxx.com \| xxx.com<br>- Seller-05/06/2025 | Cured-Curative PCCD received - Due Diligence Vendor-05/12/2025<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.45% 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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 10433053 | xxx | xxx C B A | Closed | finding-3632 | 2025-04-30 10:59 | 2025-05-12 09:05 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*• Service provider for Title Services has been selected , all title services require testing at 10% tolerance baseline issued in Initial Loan Estimate. Increasing tolerance based fees because the charges were found to be under-disclosed in the estimated amount lender disclosed to the borrower in good faith, is not a valid change of circumstance. 10% tolerance cure in the amount of $xxxis required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025<br>| Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-05/12/2025<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.45% 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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 10433053 | xxx | xxx C B A | Closed | finding-3635 | 2025-04-30 10:59 | 2025-05-12 09:05 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-Curative PCCD received - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <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% ($xxx) exceed the comparable charges ($xxx) 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). \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*• Service provider for Title Services has been selected , all title services require testing at 10% tolerance baseline issued in Initial Loan Estimate. Increasing tolerance based fees because the charges were found to be under-disclosed in the estimated amount lender disclosed to the borrower in good faith, is not a valid change of circumstance. 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025<br>| Cured-Curative PCCD received - Due Diligence Vendor-05/12/2025<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.45% 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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 17116116 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12025681 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12935925 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11587123 | xxx | xxx D A | Closed | FCRE3978 | 2025-04-29 10:04 | 2025-05-06 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Credit LOE provided. - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. - Seller-05/05/2025 <br>Open-Letter of Explanation (Credit) missing or unexecuted for the credit inquires within the most 90 days of the credit report date. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Credit LOE provided. - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.33% 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 28.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11587123 | xxx | xxx D A | Closed | FCRE7347 | 2025-04-29 09:17 | 2025-05-06 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Signed Lease agreement provided. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-Missing an executed lease agreement for the subject property. Per the lender's guidelines, Long-Term Rental Income qualifies using the lower of the lease agreement or the 1007 (if available). Lease agreement required for all xxx transactions. The lease provided is not signed/executed by the tenants using the lower rental income of $xxx. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Signed Lease agreement provided. - Due Diligence Vendor-05/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.33% 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 28.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11587123 | xxx | xxx D A | Closed | FCRE7569 | 2025-04-29 11:15 | 2025-05-01 10:08 | Resolved | 1 - Information C A | Credit | Liabilities | Mortgage history for primary residence less than 12 months | Resolved-CBR supplement & Mortgage statement provided. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Missing proof of mortgage payments on primary residence. Per the lender's guidelines, 0x30x12 on all mortgages is required for all borrowers, minimum 12 months housing history required. The subject loan note date is xxx. <br>Please provide the following mortgage history: <br>xxx acct #xxx with principal balance of $xxx, with a $xxx payment for the primary residence located at xxx. The final loan application states the borrower has resided here for 7 months. The loan file contains proof a mortgage payment was received on xxx (xxx), but is missing proof of the any previous payments. This mortgage does not appear on the credit report; therefore, a VOM was required. <br>- Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-CBR supplement & Mortgage statement provided. - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.33% 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 28.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11587123 | xxx | xxx D A | Closed | FCRE1504 | 2025-04-29 11:19 | 2025-05-01 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Partially Provided | Resolved-CBR supplement & Mortgage statement provided. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Mortgage Statement(s) Partially Provided. Missing proof of required mortgage payments for the subject property and an additional investment property owned. Per the lender's guidelines, 0x30x12 on all mortgages is required for all borrowers with a minimum 12 months housing history required. The subject loan note date is xxx. <br>Please provide the following: <br>xxx acct # xxx with principal balance of $xxx, $xxx payment reports through xxx; Missing proof of xxx and xxx payment. <br>xxx/xxx acct #xxx with principal balance of $xxx, $,xxx payment for the subject property located at xxx reports through xxx. The mortgage statement (xxx) verifies the xxx was paid on xxx; however, missing proof the xxx payment was paid on time. <br>- Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-CBR supplement & Mortgage statement provided. - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.33% 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 28.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11587123 | xxx | xxx D A | Closed | FCRE5782 | 2025-04-29 10:03 | 2025-05-01 10:06 | 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-05/01/2025 <br>Ready for Review-Loan is a DSCR - UDM not required - Seller-04/30/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/29/2025 | Ready for Review-Loan is a xxx - UDM not required - Seller-04/30/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.33% 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 28.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Borrower 1 Gap Credit Report is Missing. Credit reports over 30 days old from the Note date require a gap credit report dated within 15 days of the Note date. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16791723 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13637049 | xxx | xxx C A | Closed | FCRE5790 | 2025-04-29 11:11 | 2025-05-03 08:20 | 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-05/03/2025 <br> Ready for Review-Our PreClose credit report in the closed-loan file is dated xxx, our Note date is dated xxx - that's 6 days. Please review and advise! - Seller-05/02/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 15 days from Closing/Settlement Date as per GL). - Due Diligence Vendor-04/29/2025 | Ready for Review-Our xxx credit report in the closed-loan file is dated xxx, our Note date is dated xxx - that's xxx days. Please review and advise! - Seller-05/02/2025 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.18% 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 - 18.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.06% Is Below the Guideline Maximum Of 85% 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 - 5.81 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 24.00 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 - 23.82 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13637049 | xxx | xxx C A | Closed | FCRE5791 | 2025-04-29 11:11 | 2025-05-03 08:20 | 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-05/03/2025 <br> Ready for Review-Our PreClose credit report in the closed-loan file is dated xxx, our Note date is dated xxx - that's 6 days. Please review and advise! - Seller-05/02/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 15 days from Closing/Settlement Date as per GL). - Due Diligence Vendor-04/29/2025 | Ready for Review-Our xxx credit report in the closed-loan file is dated xxx, our Note date is dated xxx - that's xxx days. Please review and advise! - Seller-05/02/2025 | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-05/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.18% 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 - 18.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.06% Is Below the Guideline Maximum Of 85% 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 - 5.81 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 24.00 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 - 23.82 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10514513 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17757486 | xxx | xxx D A | Closed | FCRE5770 | 2025-04-29 15:47 | 2025-05-07 08:41 | 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-05/07/2025 <br>Ready for Review-Document Uploaded. Credit Report attached. - Seller-05/05/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. Credit Report attached. - Seller-05/05/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/07/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.19% Is Below the Guideline Maximum Of 85% 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 15537053 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13205572 | xxx | xxx D A | Closed | FCRE5790 | 2025-05-01 19:24 | 2025-05-03 08:33 | 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-05/03/2025 <br>Ready for Review-Document Uploaded. - Seller-05/02/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 - 8.21 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13205572 | xxx | xxx D A | Closed | FCRE1145 | 2025-05-01 19:09 | 2025-05-03 08:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/03/2025 <br>Ready for Review-Document Uploaded. - Seller-05/02/2025 <br>Open-Title Document is missing - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-05/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 - 8.21 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13205572 | xxx | xxx D A | Closed | FCRE7000 | 2025-05-01 19:26 | 2025-05-03 08:27 | 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-05/03/2025 <br> Ready for Review-Document Uploaded. - Seller-05/02/2025 <br> Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 - 8.21 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19925806 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16901390 | xxx | xxx D A | Closed | FCRE5782 | 2025-04-29 15:27 | 2025-05-03 08:25 | 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-05/03/2025 <br>Ready for Review-Document Uploaded. - Seller-05/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.48 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 - 10.16 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 - 6.24 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 0.24<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.67% 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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 27.06% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16901390 | xxx | xxx D A | Closed | FCRE2109 | 2025-05-01 18:16 | 2025-05-03 08:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-05/03/2025 <br>Ready for Review-Document Uploaded. - Seller-05/02/2025 <br>Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.48 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 - 10.16 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 - 6.24 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 0.24<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.67% 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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 27.06% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12993005 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 12222723 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16311547 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 19013863 | xxx | xxx D A | Closed | FCOM1233 | 2025-04-30 12:32 | 2025-05-08 09:50 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. see attached 1003 - Buyer-05/08/2025 <br>Open-The Final 1003 is Incomplete and pages are missing. - Due Diligence Vendor-04/30/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/08/2025<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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.29 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 - 8.28 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.91 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16303343 | xxx | xxx C A | Closed | FCRE1305 | 2025-05-01 11:16 | 2025-05-05 11:09 | Resolved | 1 - Information C A | Credit | Income | Income 2 Income Trend is Decreasing | Resolved-Income 2 Income Trend is Resolved - Due Diligence Vendor-05/05/2025 <br> Ready for Review-While the borrower's commissions slightly decreased from xxx to xxx, the YTD average commissions are already almost double than last year. - Buyer-05/04/2025 <br> Open-Income 2 Income Trend is Decreasing - Due Diligence Vendor-05/01/2025 |  | Resolved-Income 2 Income Trend is Resolved - Due Diligence Vendor-05/05/2025<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 - 11.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.41 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 - 15.31 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12606905 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11075549 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19661862 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11262668 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15654274 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15632537 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12768620 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19267414 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13259669 | xxx | xxx D A | Closed | FCRE1316 | 2025-05-03 11:46 | 2025-05-07 14:25 | 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-05/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/06/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/03/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/07/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 12 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% 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 - 17.84 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.92% Is Below the Guideline Maximum Of 80% 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 - 12.08 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13259669 | xxx | xxx D A | Closed | FCRE1325 | 2025-05-03 11:46 | 2025-05-07 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Rebut - CPA letter not required. UW used the standard 50% expense factor to qualify the borrower. - Buyer-05/06/2025 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-05/03/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/07/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 12 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% 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 - 17.84 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.92% Is Below the Guideline Maximum Of 80% 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 - 12.08 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10585040 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14276389 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13511036 | xxx | xxx C A | Closed | FCRE1193 | 2025-05-02 16:56 | 2025-05-09 13:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 39.76% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Counter-Missing 1st Lien CD from the file, the PCCD provided is for the 2nd Lien showing $xxx sent to 1st Lien but does not list the debts it paid off. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. This was a first and second simultaneous close. These were paid off at closing. The payoffs were reflected on the CD for the 1st (xxx). Please see attached. Thank you. - Seller-05/05/2025 <br> Open-Audited DTI of 59.47% exceeds Guideline DTI of 50% Appears the lender did not include any of the borrowers tradelines, DTI is outside of tolerance. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Ready for Review-Document Uploaded. This was a first and second simultaneous close. These were paid off at closing. The payoffs were reflected on the CD for the 1st (xxx). Please see attached. Thank you. - Seller-05/05/2025 | Resolved-Audited DTI of 39.76% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/09/2025<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 39.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11472692 | xxx | xxx D A | Closed | FCRE1325 | 2025-05-01 19:45 | 2025-05-07 07:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. - Seller-05/05/2025 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/07/2025<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 - 10.35 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.97% 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 - 15.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 12219131 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17350706 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18043577 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17529818 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16904943 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17199628 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10249348 | xxx | xxx D A C | Closed | FPRO9736 | 2025-05-05 16:04 | 2025-05-12 12:51 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Document Uploaded. The CDA located in the file was for the Subject Property - Lender Provided updated Desk review supporting the appraised value. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. The CDA that was in the file was for a different property. - Seller-05/09/2025 <br> Counter-Document Uploaded. Desk review reflects a -19.4% which is over the 10% tolerance and does not support the Appraisal value of $xxx - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-05/06/2025 <br> Open-Desk Review provided does not support Appraised value of $xxx. Desk Review value is $xxx. Please provide updated Appraisal review supporting original appraised value. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. Please see attached. The CDA that was in the file was for a different property. - Seller-05/09/2025<br>| Resolved-Document Uploaded. The CDA located in the file was for the Subject Property - Lender Provided updated Desk review supporting the appraised value. - Due Diligence Vendor-05/12/2025<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 - 22.08 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 0.06<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 20.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.jpg<br> xxx.jpg<br> xxx.pdf<br> xxx .jpg | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10249348 | xxx | xxx D A C | Closed | FCRE1316 | 2025-05-05 14:38 | 2025-05-07 14:24 | 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-05/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/06/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/05/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/07/2025<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 - 22.08 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 0.06<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 20.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10249348 | xxx | xxx D A C | Closed | FCRE1195 | 2025-05-05 15:05 | 2025-05-07 14:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 79.74% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Rebut-The CLTV is 80%. The prior mortgage was paid off at closing. See attached final HUD 1 statement. - Seller-05/06/2025 <br>Open-Audited CLTV of 183.49% exceeds Guideline CLTV of 80% - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. Rebut-The CLTV is 80%. The prior mortgage was paid off at closing. See attached final HUD 1 statement. - Seller-05/06/2025<br>| Resolved-Audited CLTV of 79.74% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-05/07/2025<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 - 22.08 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 0.06<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 20.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10249348 | xxx | xxx D A C | Closed | FCRE1503 | 2025-05-05 00:42 | 2025-05-07 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-mortgage statements (both escrowed) provided for xxx' and "# xxx - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/06/2025 <br> Open-mortgage statement missing for the property address "# xxx' and "# xxx" - Due Diligence Vendor-05/05/2025 |  | Resolved-mortgage statements (both escrowed) provided for xxx' and "# xxx - Due Diligence Vendor-05/07/2025 | 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 - 22.08 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 0.06<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 20.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10249348 | xxx | xxx D A C | Closed | FCOM1206 | 2025-05-02 09:39 | 2025-05-07 13:40 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. see attached. - Seller-05/06/2025 <br>Open-The Note is Missing in file - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. see attached. - Seller-05/06/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-05/07/2025<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 - 22.08 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 0.06<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 20.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18759965 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13602827 | xxx | xxx D A | Closed | FCRE6763 | 2025-05-05 14:27 | 2025-05-14 13:07 | Resolved | 1 - Information C A | Credit | Income | Income documentation does not meet guidelines | Resolved-WVOE from the Work Number provided supporting YTD and 2 yrs W2 income - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Attached VOE in lieu of the paystub that is missing. - Seller-05/13/2025 <br> Open-Provide the most recent paystub for xxx dated within 60 Days of the Note. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. Attached VOE in lieu of the paystub that is missing. - Seller-05/13/2025<br>| Resolved-WVOE from the xxx provided supporting YTD and 2 yrs W2 income - Due Diligence Vendor-05/14/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 78.81% 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 44.77% 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 24.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13602827 | xxx | xxx D A | Closed | FCRE5782 | 2025-05-05 14:21 | 2025-05-08 11:51 | 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-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/06/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide the gap credit report, soft-pull or undisclosed monitoring dated within 30 days of the Note. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/08/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 78.81% 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 44.77% 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 24.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12605010 | xxx | xxx D A | Closed | FCRE5782 | 2025-05-05 15:23 | 2025-05-07 12:42 | 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-05/07/2025 <br> Ready for Review-UDM credit report not required for DSCR loans - Seller-05/06/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide the gap credit report for xxx and xxx. - Due Diligence Vendor-05/05/2025 | Ready for Review-UDM credit report not required for xxx loans - Seller-05/06/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.22 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 59.99% 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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14175248 | xxx | xxx D A | Closed | finding-47 | 2025-05-02 19:26 | 2025-05-08 08:39 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-NOTE and ROR executed xxx, as confirmed by lender, Security Instrument resigned on xxx does not cause ROR to re-open. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. please see corrected PCCD. No redraw was done on the Note - Seller-05/08/2025 <br> Counter-\*\*\* The Rescission test date is determined by the Security Instrument Notary date (xxx). Borrower Final Settlement from title also indicated a signing date of xxx. However, the true determination of "Consummation" is the date the borrower executed the Note. xxx Consummation Closing Disclosure provided indicated lender funding date of xxx, which violates the rescission period required under TILA. \*\*\* it appears the borrower executed "some" documents on xxx, and the Deed of Trust on xxx. \*\*\*\* Please provide explanation. -- If the Note was redrawn for correction and executed by borrower on xxx, in addition to the Security Instrument, then this file will need to re-open rescission. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*DOT Notary Date indicates closing was on xxx. Original file appears to be missing the Final CD. Lender to provide a copy of the Final CD, PCCD (if any), and a certified copy of the Final Settlement Statement from the title company to confirm true closing date and disbursement date. Lender also needs to provide Notice if Right to Cancel executed xxx. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. please see corrected PCCD. No redraw was done on the Note - Seller-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-NOTE and ROR executed xxx, as confirmed by lender, Security Instrument resigned on xxx does not cause ROR to re-open. - Due Diligence Vendor-05/08/2025 | 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 0.24<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.32% 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 - 6.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14175248 | xxx | xxx D A | Closed | FCOM1544 | 2025-05-06 10:22 | 2025-05-07 09:40 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-TRID: Missing Final Closing Disclosure \*\*DOT Notary Date indicates closing was on xxx. Original file appears to be missing the Final CD. Lender to provide a copy of the Final CD, PCCD (if any), and a certified copy of the Final Settlement Statement from the title company to confirm true closing date and disbursement date. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/07/2025<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 0.24<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.32% 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 - 6.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14175248 | xxx | xxx D A | Closed | finding-3631 | 2025-05-02 19:26 | 2025-05-07 09:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail provided - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-\*\*\*\*Pending copy of Final CD; The discount points fee in section A of the CD issued xxx increased to $xxx. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-05/06/2025 <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-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-COC event detail provided - Due Diligence Vendor-05/07/2025<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 0.24<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.32% 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 - 6.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14175248 | xxx | xxx D A | Closed | finding-3632 | 2025-05-02 19:26 | 2025-05-07 09:39 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail provided - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-\*\*\*\*Pending copy of Final CD; The discount points fee in section A of the CD issued xxx increased to $xxx. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-05/06/2025 <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-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-COC event detail provided - Due Diligence Vendor-05/07/2025<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 0.24<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.32% 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 - 6.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14175248 | xxx | xxx D A | Closed | finding-3634 | 2025-05-02 19:26 | 2025-05-07 09:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail provided - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-\*\*\*\*Pending copy of Final CD; The discount points fee in section A of the CD issued xxx increased to $xxx. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-05/06/2025 <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 $xxx.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-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-COC event detail provided - Due Diligence Vendor-05/07/2025<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 0.24<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.32% 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 - 6.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14529936 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18244367 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19965269 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15358651 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10019714 | xxx | xxx C A | Closed | FCRE7000 | 2025-05-06 16:30 | 2025-05-12 07:32 | 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-05/12/2025 <br> Ready for Review-Document Uploaded. Please see the attached Final SS and Final CD to show that -0- cash is needed at closing. - Seller-05/08/2025 <br> Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $xxx. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Please see the attached Final SS and Final CD to show that xxx cash is needed at closing. - Seller-05/08/2025 | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/12/2025<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 0.21<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 - 10.98 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 10.97 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17044462 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15552574 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16387461 | xxx | xxx D A | Closed | FCRE5782 | 2025-05-06 13:14 | 2025-05-09 13:12 | 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-05/09/2025 <br> Ready for Review-Please reference the PreClose credit report in the closed-loan file, xxx. Thank you. - Seller-05/07/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/06/2025 | Ready for Review-Please reference the xxx credit report in the closed-loan file, page xxx of xxx . Thank you. - Seller-05/07/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/09/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.67 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 - 14.13 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 - 14.12 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14325520 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10085400 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 13442438 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12398881 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19985525 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10768487 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19415044 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13460695 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12141415 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15214086 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18836556 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12763673 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14376400 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14739846 | xxx | xxx C B A | Closed | finding-3631 | 2025-05-07 16:44 | 2025-05-16 08:26 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received, - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. - Seller-05/15/2025 <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. \*\*\*\*\*\*\*\*• A COC form was issued for the increase to the Affiliate Lender Title Policy, however, there is no correlating event evident (increased loan amount, etc) to ratify the increase is a true and valid change of circumstance. Please provide COC event pursuant to pursuant to § 1026.19(e)(3)(iv) or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Cured-Curative PCCD received, - Due Diligence Vendor-05/16/2025<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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.78 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 - 26.91 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14739846 | xxx | xxx C B A | Closed | finding-3632 | 2025-05-07 16:44 | 2025-05-16 08:26 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. - Seller-05/15/2025 <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. \*\*\*\*\*\*\*\*• A COC form was issued for the increase to the Affiliate Lender Title Policy, however, there is no correlating event evident (increased loan amount, etc) to ratify the increase is a true and valid change of circumstance. Please provide COC event pursuant to pursuant to § 1026.19(e)(3)(iv) or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Curative PCCD received, - Due Diligence Vendor-05/16/2025<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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.78 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 - 26.91 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14739846 | xxx | xxx C B A | Closed | finding-3634 | 2025-05-07 16:44 | 2025-05-16 08:26 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received, - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. - Seller-05/15/2025 <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 $xxx.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 form was issued for the increase to the Affiliate Lender Title Policy, however, there is no correlating event evident (increased loan amount, etc) to ratify the increase is a true and valid change of circumstance. Please provide COC event pursuant to pursuant to § 1026.19(e)(3)(iv) or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Cured-Curative PCCD received, - Due Diligence Vendor-05/16/2025<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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.78 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 - 26.91 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15534762 | xxx | xxx C A | Closed | finding-47 | 2025-05-05 16:50 | 2025-05-09 12:17 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/08/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx.Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. - Seller-05/08/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/09/2025<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 - 13.84 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 35.44% 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 - 9.67 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 - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16698833 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10486924 | xxx | xxx D A | Closed | FCOM1206 | 2025-05-07 05:21 | 2025-05-08 09:53 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/08/2025 <br>Open-The Note is Missing Provide the fully executed Note. - Due Diligence Vendor-05/07/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-05/08/2025<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 Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.33 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 - 22.08 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.82 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.56 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 xxx 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 34.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13217651 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16880244 | xxx | xxx D A | Closed | FCOM1274 | 2025-05-07 01:08 | 2025-05-08 09:52 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/08/2025 <br>Ready for Review-This is a second lien, no escrow required.<br> - Buyer-05/07/2025 <br>Open-Escrow Waiver is Missing - Due Diligence Vendor-05/07/2025 |  | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.6% 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 44.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17827622 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13380241 | xxx | xxx C A | Closed | finding-47 | 2025-05-07 16:02 | 2025-05-12 09:10 | 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-05/12/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - 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-05/09/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/12/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 14.26% 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 - 7.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16880215 | xxx | xxx D A | Closed | FCRE1325 | 2025-05-08 14:59 | 2025-05-14 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. See attached. Not required - Seller-05/13/2025 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter in file for Borrower 1 business at xxx - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. See attached. Not required - Seller-05/13/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/14/2025<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 0.24<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 - 33.25 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 - 12.29 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.9 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 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16880215 | xxx | xxx D A | Closed | FCRE1201 | 2025-05-07 13:29 | 2025-05-12 14:13 | 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-05/12/2025 <br>Ready for Review-Document Uploaded. - Seller-05/12/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/12/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/12/2025<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 0.24<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 - 33.25 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 - 12.29 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.9 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 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16880215 | xxx | xxx D A | Closed | FCRE1145 | 2025-05-07 13:22 | 2025-05-12 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. - Seller-05/09/2025 <br>Open-Title Document is missing Title report missing for subject property - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-05/12/2025<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 0.24<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 - 33.25 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 - 12.29 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.9 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 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16880215 | xxx | xxx D A | Closed | FCRE5782 | 2025-05-08 15:58 | 2025-05-12 14:01 | 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-05/12/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Refresh report not in file per guidelines within 15 days of the note date. This is needed because note date is greater than 30 days from original credit report. Note date is xxx and credit report date is xxx - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/12/2025<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 0.24<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 - 33.25 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 - 12.29 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.9 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 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11788643 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11582460 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11563481 | xxx | xxx C A | Closed | FPRO1245 | 2025-05-09 10:41 | 2025-05-15 11:41 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Re-Cert of value now in file. - Seller-05/13/2025 <br>Open-Primary Value Appraisal is Expired Provide the appraisal update for the subject property. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Re-Cert of value now in file. - Seller-05/13/2025<br>| Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-05/15/2025<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 - 20.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15934438 | xxx | xxx D A | Closed | FCRE1347 | 2025-05-09 12:10 | 2025-05-13 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. Funding VOE for both borrowers attached. - Seller-05/12/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Provide the Third-Party Employment verification for the Co-Borrower that was completed prior to closing. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Funding VOE for both borrowers attached. - Seller-05/12/2025 | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/13/2025<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 - 9.36 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 - 20.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 7.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10519127 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12170319 | xxx | xxx D A | Closed | FCRE1503 | 2025-05-08 11:33 | 2025-05-14 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statements provided (both escrowed) for xxx and xxx. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Please see attached and let us know if you need anything else. - Buyer-05/13/2025 <br> Open-Provide the mortgage statement for xxx and xxx.<br>- Due Diligence Vendor-05/08/2025 |  | Resolved-Mortgage statements provided (both escrowed) for xxx and xxx. - Due Diligence Vendor-05/14/2025 | 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 - 22.08 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.34 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 - 22.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.85% 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 - 5.83 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 13605701 | xxx | xxx D A | Closed | FCOM1544 | 2025-05-09 17:42 | 2025-05-14 07:48 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-05/13/2025 <br> Counter-Thank you --- Please provide PCCD disclosed to borrower reflecting final charges as indicated in the Title Final ALTA - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. here is the CD from the xxx and FSS so that you can see the closing date, etc. - Buyer-05/12/2025 <br> Open-TRID: Missing Final Closing Disclosure The file contains evidence that the loan closing occurred on xxx, with the only available Closing Disclosure (CD) dated xxx. Compliance is incomplete. The lender needs to provide the Final Closing Disclosure (FCD). - Due Diligence Vendor-05/09/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/14/2025<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 - 18.16 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 - 18.17 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.21% 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 6.1 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10892905 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10996843 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18857003 | xxx | xxx D A | Closed | FCOM1206 | 2025-05-07 18:34 | 2025-05-11 09:18 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/11/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-05/10/2025 <br>Open-The Note is Missing - Due Diligence Vendor-05/07/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-05/11/2025<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 - 22.08 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 0.05<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.74% 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 - 20.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.86% 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 - 5.83 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 16498786 | xxx | xxx C A | Closed | FCRE6873 | 2025-05-08 20:39 | 2025-05-12 12:45 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-LOE Provided. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/09/2025 <br> Open-Extended fraud alert on credit report starting xxx and expiring xxx, initial 1003 is dated xxx, documentation clearing the alert is not found in the file. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/09/2025<br>| Resolved-LOE Provided. - Due Diligence Vendor-05/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 0 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 - 7.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.17% 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 44.44% 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 - 23.00 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 - 7.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16498786 | xxx | xxx C A | Closed | finding-3632 | 2025-05-08 07:24 | 2025-05-12 09:43 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 <br>Ready for Review-responded to another condition - Buyer-05/09/2025 <br>Open-\*\*\*\*Initial LE is missing from file. No evidence that Loan Estimate was provided to borrower within 3 days of application. Lender to provided Initial Loan Estimate (Compliance review incomplete) - Due Diligence Vendor-05/09/2025 <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-05/08/2025 |  | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 0 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 - 7.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.17% 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 44.44% 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 - 23.00 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 - 7.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16498786 | xxx | xxx C A | Closed | finding-3631 | 2025-05-08 07:24 | 2025-05-12 09:43 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 <br>Ready for Review-responded to another condition - Buyer-05/09/2025 <br>Open-\*\*\*\*Initial LE is missing from file. No evidence that Loan Estimate was provided to borrower within 3 days of application. Lender to provided Initial Loan Estimate (Compliance review incomplete) - Due Diligence Vendor-05/09/2025 <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-05/08/2025 |  | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 0 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 - 7.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.17% 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 44.44% 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 - 23.00 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 - 7.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16498786 | xxx | xxx C A | Closed | finding-3634 | 2025-05-08 07:24 | 2025-05-12 09:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 <br> Ready for Review-responded to another condition - Buyer-05/09/2025 <br> Open-\*\*\*\*Initial LE is missing from file. No evidence that Loan Estimate was provided to borrower within 3 days of application. Lender to provided Initial Loan Estimate (Compliance review incomplete) - Due Diligence Vendor-05/09/2025 <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 $xxx.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-05/08/2025 |  | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 0 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 - 7.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.17% 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 44.44% 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 - 23.00 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 - 7.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16498786 | xxx | xxx C A | Closed | finding-3635 | 2025-05-08 07:24 | 2025-05-12 09:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-05/09/2025 <br> Open-\*\*\*\*Initial LE is missing from file. No evidence that Loan Estimate was provided to borrower within 3 days of application. Lender to provided Initial Loan Estimate (Compliance review incomplete) - Due Diligence Vendor-05/09/2025 <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% ($xxx) exceed the comparable charges ($xxx) 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-05/08/2025 |  | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 0 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 - 7.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.17% 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 44.44% 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 - 23.00 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 - 7.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16498786 | xxx | xxx C A | Closed | finding-3515 | 2025-05-08 07:24 | 2025-05-12 09:43 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 <br>Ready for Review-responded on another condition<br> - Seller-05/09/2025 <br>Open-\*\*\*\*Initial LE is missing from file. No evidence that Loan Estimate was provided to borrower within 3 days of application. Lender to provided Initial Loan Estimate (Compliance review incomplete) - Due Diligence Vendor-05/09/2025 <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 ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $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 SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.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. - Due Diligence Vendor-05/08/2025 | Ready for Review-responded on another condition<br> - Seller-05/09/2025<br>| Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 0 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 - 7.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.17% 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 44.44% 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 - 23.00 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 - 7.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18376374 | xxx | xxx D A | Closed | FCRE7347 | 2025-05-08 09:41 | 2025-05-12 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement provided. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/10/2025 <br> Open-Lease agreement missing for REO property of xxx. - Due Diligence Vendor-05/08/2025 |  | Resolved-Lease agreement provided. - Due Diligence Vendor-05/12/2025<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 - 25.25 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 - 25.25 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 - 25.24 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.16% 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 43.69 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 - 22.83 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13865311 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15814173 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10544376 | xxx | xxx D A | Closed | FCOM1274 | 2025-05-09 02:06 | 2025-05-11 09:21 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/11/2025 <br>Ready for Review-Rebut - no applicable to 2nd mortgages. Escrows for the subject are collected through the 1st mortgage. - Buyer-05/10/2025 <br>Open-Escrow Waiver is Missing - Due Diligence Vendor-05/09/2025 |  | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.19 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 57.55% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11342711 | xxx | xxx D A | Closed | FCOM1206 | 2025-05-08 15:00 | 2025-05-11 09:19 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/11/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/10/2025 <br>Open-The Note is Missing - Due Diligence Vendor-05/08/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-05/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 22.08 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 0.05<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.99 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 - 20.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.25% 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 - 5.83 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17984354 | xxx | xxx D A | Closed | FCOM1274 | 2025-05-09 03:23 | 2025-05-11 09:20 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/11/2025 <br>Ready for Review-Rebut - N/A for second liens. Escrows for subject are collected through the first mortgage - Buyer-05/10/2025 <br>Open-Escrow Waiver is Missing - Due Diligence Vendor-05/09/2025 |  | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/11/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.13% 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 34.39 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 xxx 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 - 13.25 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12696027 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16000356 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11329680 | xxx | xxx C A | Closed | FCOM4227 | 2025-05-09 05:26 | 2025-05-16 09:00 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Counter-• Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation) is missing. Revised Closing Disclosure(s) with associated Changed Circumstance Detail form(s) are missing, if any. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/13/2025 <br>Ready for Review-condition is blank - Seller-05/12/2025 <br>Open- - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Ready for Review-condition is blank - Seller-05/12/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.11 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 0.07<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11329680 | xxx | xxx C A | Closed | finding-3532 | 2025-05-11 14:12 | 2025-05-16 08:49 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <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. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.11 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 0.07<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11329680 | xxx | xxx C A | Closed | finding-3631 | 2025-05-11 14:12 | 2025-05-16 08:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <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. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.11 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 0.07<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11329680 | xxx | xxx C A | Closed | finding-3632 | 2025-05-11 14:12 | 2025-05-16 08:49 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <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. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.11 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 0.07<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11329680 | xxx | xxx C A | Closed | finding-3634 | 2025-05-11 14:12 | 2025-05-16 08:49 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. - Seller-05/15/2025 <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 $xxx.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). No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.11 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 0.07<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11699187 | xxx | xxx C A | Closed | finding-47 | 2025-05-09 15:13 | 2025-05-13 06:53 | 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-05/13/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - 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-05/10/2025 | Ready for Review-Document Uploaded. - Seller-05/12/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025<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 - 9.98 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 0.06<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.3% 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 55.15 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 xxx 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 - 10.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18115053 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12476125 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19343159 | xxx | xxx C A | Closed | FCRE1159 | 2025-05-11 13:14 | 2025-05-13 12:26 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Attached is a copy of the prior policy - Buyer-05/12/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-05/11/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.56 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 44.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.25% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11734901 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15585384 | xxx | xxx B A | Closed | FCRE1182 | 2025-05-10 09:41 | 2025-05-15 14:30 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/14/2025 <br>Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-05/10/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/15/2025<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 - 19.13 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 - 19.13 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.48 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 36.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15317383 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18203222 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12322872 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15403596 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16302696 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11859562 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12736350 | xxx | xxx D A | Closed | FCOM1206 | 2025-05-13 08:59 | 2025-05-15 07:36 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. attached is the note and the simple interest addendum to note. - Buyer-05/13/2025 <br>Open-The Note is Missing Note is not located in the file, (pg 5) is the simple interest addendum - Due Diligence Vendor-05/13/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-05/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.48% 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 29.4 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 xxx 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 - 9.83 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11116853 | xxx | xxx D A | Closed | FCRE1316 | 2025-05-10 13:21 | 2025-05-16 12:29 | 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-05/16/2025 <br>Ready for Review-Document Uploaded. Please see attached. The CPA is dated within 30 days of the note and also uploaded a current online status. - Buyer-05/15/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/10/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/16/2025<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 - 10.33 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 - 10.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.44 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 - 22.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18066523 | xxx | xxx D B A | Closed | FCRE7347 | 2025-05-13 15:51 | 2025-05-22 11:54 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Lease Agreement | Waived-Approved Lender Exception: Exception needed to use the new lease amount starting next month and for missing original lease. Just have extension of lease - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. Please see updated exception for the missing original lease. - Buyer-05/21/2025 <br> Counter-Document provided is an "Extension of lease" (1 page) Missing Full Lease agreement to support $xxx in monthly rent - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Please see attached. UW didn't require more because it reflected the lease terms and was signed by all parties. - Buyer-05/15/2025 <br> Open-1008 states exception granted for higher lease amount being utilized. Missing exception form and lease agreements. Audit DSCR is 0.93 based on Appraisal 1007. - Due Diligence Vendor-05/13/2025 | LTV - Max - 80% Subject - 66.3%<br> xxx is a professional investor and has owned the subject for xxx years. - 05/22/2025 <br>| Waived-Approved Lender Exception: Exception needed to use the new lease amount starting next month and for missing original lease. Just have extension of lease - Due Diligence Vendor-05/22/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.18% 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 24.72 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 xxx 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 - 9.00 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 18066523 | xxx | xxx D B A | Closed | FCRE1167 | 2025-05-09 23:12 | 2025-05-15 09:31 | 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-05/15/2025 <br> Ready for Review-Document Uploaded. see attached Dec page with Extended Replacement Cost as well as the cost estimator from the Ins. Co.<br>- Buyer-05/13/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-05/10/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-05/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.18% 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 24.72 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 xxx 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 - 9.00 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18957854 | xxx | xxx B A | Closed | FCRE1182 | 2025-05-13 16:09 | 2025-05-15 15:20 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/14/2025 <br>Open-1008/Underwriting Summary Not Provided Provide the Underwriting and Transmittal Summary reflecting the correct loan amount. - Due Diligence Vendor-05/13/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/15/2025<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 - 25.32 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.04 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 - 24.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 90% 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<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18957854 | xxx | xxx B A | Closed | FCOM1266 | 2025-05-12 07:06 | 2025-05-15 06:41 | 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-05/15/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-05/14/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-05/12/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/15/2025<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 - 25.32 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.04 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 - 24.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 90% 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<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14942507 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16311152 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15206696 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18761426 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17517680 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 15934913 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17365146 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12880010 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13658603 | xxx | xxx C A | Closed | finding-47 | 2025-05-12 16:37 | 2025-05-16 08:19 | 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-05/16/2025 <br> Ready for Review-Document Uploaded. - Seller-05/15/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxx.Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.12 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 41.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15336359 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18519521 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18970569 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15010848 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18745300 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13792544 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18728848 | xxx | xxx D A | Closed | FCRE1503 | 2025-05-12 10:06 | 2025-05-21 08:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided (escrowed) for xxx - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 <br> Counter-Missing Mortgage statement for xxx - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. - Seller-05/15/2025 <br> Open-Mortgage Statement(s) Missing for Primary Residence<br>xxx - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Mortgage statement provided (escrowed) for xxx - Due Diligence Vendor-05/21/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.61 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 - 8.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.73% 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 xxx 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 0.08<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 - 19.13 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 - 19.08 Years |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15840328 | xxx | xxx D A | Closed | FCRE1497 | 2025-05-11 02:35 | 2025-05-16 15:01 | Resolved | 1 - Information C A | Credit | QM/ATR | ATR: Reasonable Income or Assets Not Considered | Resolved- - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Open-ATR: Reasonable Income or Assets Not Considered - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<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<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15840328 | xxx | xxx D A | Closed | FCRE1292 | 2025-05-11 02:26 | 2025-05-16 14:57 | 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-05/16/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Open-Income 1 Months Income Verified is Missing <br>xxx Statement not provided in Package - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/16/2025<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<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15840328 | xxx | xxx D A | Closed | FCRE5782 | 2025-05-11 02:30 | 2025-05-16 14:35 | 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-05/16/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/11/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/16/2025<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<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15588514 | xxx | xxx D A | Closed | FCRE1347 | 2025-05-15 15:21 | 2025-05-20 07:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/16/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/15/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/20/2025<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 - 7.25 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.02 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15588514 | xxx | xxx D A | Closed | FCRE1355 | 2025-05-15 15:21 | 2025-05-20 07:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 CPA Letter Missing | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/20/2025 <br> Ready for Review-CPA letter not required. Used a 50% expense factor and sufficient documentation provide to show borrower is 100% of the xxx. - Buyer-05/16/2025 <br> Open-Borrower 2 CPA Letter Missing - Due Diligence Vendor-05/15/2025 |  | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/20/2025<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 - 7.25 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.02 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19518155 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18037317 | xxx | xxx D A | Closed | FCOM2630 | 2025-05-14 12:44 | 2025-05-19 07:48 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. attached entire initial disclosures package as requested - Buyer-05/16/2025 <br>Open-Right To Choose Attorney or Attorney Preference Not In File \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/16/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/19/2025<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 - 6.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.57% 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 38.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11414881 | xxx | xxx C A | Closed | FCRE5790 | 2025-05-15 08:45 | 2025-05-16 15:10 | 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-05/16/2025 <br>Ready for Review-Document Uploaded. - Seller-05/15/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.07 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 - 6.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.58% 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 xxx 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 0.19 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16907497 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13752541 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10209253 | xxx | xxx C A | Closed | FCRE1344 | 2025-05-13 18:01 | 2025-05-20 14:06 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-May Statement and LOE from lender provided. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. He was using xxx xxx , then in xxx he switched to xxx - Seller-05/19/2025 <br> Open-The Borrower was qualified using xxx statements account #xxx with xxx . The file is missing the xxx xxx statement. The file does contain a xxx statement with xxx #xxx. The file did not contain a letter of explanation for the use of 2 accounts. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. He was using xxx xxx , then in xxx he switched to xxx - Seller-05/19/2025 | Resolved-xxx Statement and LOE from lender provided. - Due Diligence Vendor-05/20/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.81% 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 - 10.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.68 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 - 10.75 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 - 11.07 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 19333577 | xxx | xxx D A | Closed | FCRE7497 | 2025-05-19 14:13 | 2025-05-20 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Taxes & HOI Provided for xxx / Mortgage statement already provided in another condition for xxx property (escrowed) - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. xxx documents for Tax & Ins - Seller-05/20/2025 <br> Open-File is missing verification of taxes, insurance and/ or HOA fees for xxx and xxx. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. PFA documents for Tax & Ins - Seller-05/20/2025<br>| Resolved-Taxes & HOI Provided for xxx / Mortgage statement already provided in another condition for xxx property (escrowed) - Due Diligence Vendor-05/20/2025 | 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 - 11.88 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>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 - 11.88 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 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 - 17.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19333577 | xxx | xxx D A | Closed | FCRE1503 | 2025-05-19 14:11 | 2025-05-20 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (escrowed) provided for xxx - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. xxx Mortgage statement - Seller-05/20/2025 <br> Open-Mortgage statement is missing for xxx #xxx. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. PFA Mortgage statement - Seller-05/20/2025<br>| Resolved-Mortgage statement (escrowed) provided for xxx - Due Diligence Vendor-05/20/2025 | 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 - 11.88 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>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 - 11.88 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 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 - 17.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19333577 | xxx | xxx D A | Closed | FCRE5783 | 2025-05-19 13:43 | 2025-05-20 15:30 | 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-05/20/2025 <br> Ready for Review-Document Uploaded. xxx Gap report - Seller-05/20/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. PFA Gap report - Seller-05/20/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025<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 - 11.88 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>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 - 11.88 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 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 - 17.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19333577 | xxx | xxx D A | Closed | FCRE5116 | 2025-05-19 13:43 | 2025-05-20 15:30 | 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-05/20/2025 <br>Ready for Review-Subject mortgage 1st Lien acct is already reported in credit report & we have Mortgage statement too. - Seller-05/20/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-05/19/2025 | Ready for Review-Subject mortgage 1st Lien acct is already reported in credit report & we have Mortgage statement too. - Seller-05/20/2025<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-05/20/2025<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 - 11.88 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>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 - 11.88 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 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 - 17.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.22% 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19333577 | xxx | xxx D A | Closed | FCRE5782 | 2025-05-19 13:43 | 2025-05-20 15:30 | 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-05/20/2025 <br>Ready for Review-Document Uploaded. PFA Gap report - Seller-05/20/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. PFA Gap report - Seller-05/20/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025<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 - 11.88 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>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 - 11.88 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 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 - 17.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12720929 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12643838 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 16078134 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17065949 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15295324 | xxx | xxx D A | Closed | FCRE1325 | 2025-05-14 09:26 | 2025-05-22 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Rebut-CPA letter not required. UW applied the standard 50% expense factor, and an exception was made to use 100% of the eligible deposits (operating agreement shows borrower and wife are 100% owners of the business). - Buyer-05/21/2025 <br>Open-Borrower 1 CPA Letter Missing CPA Is not Provided - Due Diligence Vendor-05/14/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/22/2025<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 - 10.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.62 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 55.3% 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 - 5.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 10.08 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10764805 | xxx | xxx D A | Closed | FCRE1316 | 2025-05-14 08:54 | 2025-05-22 12:36 | 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-05/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/21/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party Verbal VOE is Missing in the file. - Due Diligence Vendor-05/14/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/22/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 18.34 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 - 18.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.5 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 37.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10764805 | xxx | xxx D A | Closed | FCRE1330 | 2025-05-14 08:54 | 2025-05-22 12:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/21/2025 <br>Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-05/14/2025 |  | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/22/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 18.34 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 - 18.17 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.5 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 37.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15029638 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15814086 | xxx | xxx D A | Closed | FCOM1206 | 2025-05-15 15:40 | 2025-05-21 12:22 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. see attached note - Buyer-05/20/2025 <br>Open-The Note is Missing - Due Diligence Vendor-05/15/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-05/21/2025<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>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 - 8.54 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.69 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 42.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19290593 | xxx | xxx C A | Closed | FPRO9736 | 2025-05-20 08:52 | 2025-06-02 13:12 | Resolved | 1 - Information C A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-desk review provided. - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Counter-The Guidelines state An AVM with a 90% or Greater confidence score "Supporting the value within 10%" (Higher or Lower than the appraised value) Appraised Value is $xxx - AVM Value is $xxx = -28.73% which is more than 10% - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. See the attached guideline.<br> The AVM is showing a 90% confidence Score this is within the Guidelines.<br> - Seller-05/22/2025 <br> Counter-the AVM provided is the same doc that is in the original file and was used in the audit review however the exception is stating that the AVM value $xxx (-28.73% less) than the Appraised Value of $xxx Provide updated review product supporting primary appraised value. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/20/2025 <br> Open-Appraisal Review product is not within 10%. Provide updated review product supporting primary appraised value of $xxx - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Ready for Review-Document Uploaded. See the attached guideline.<br> The AVM is showing a xxx% confidence Score this is within the Guidelines.<br> - Seller-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/20/2025 | Resolved-desk review provided. - Due Diligence Vendor-06/02/2025<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 - 5.75 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 - 21.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.92 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.93% 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 xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19290593 | xxx | xxx C A | Closed | finding-47 | 2025-05-16 07:00 | 2025-05-21 11:32 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. - Seller-05/20/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - 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-05/19/2025 | Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-\*\*Received PCCD. - Due Diligence Vendor-05/21/2025<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 - 5.75 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 - 21.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.92 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.93% 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 xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10486990 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12098005 | xxx | xxx C A | Closed | FCRE1159 | 2025-05-19 15:33 | 2025-06-11 09:43 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Provide a copy of the prior hazard insurance policy covering the Note date of xxx. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/11/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 34.68 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 59.12% 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 41.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18557521 | xxx | xxx D A | Closed | FCRE1316 | 2025-05-19 20:36 | 2025-05-23 15:47 | 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-05/23/2025 <br>Ready for Review-Please see attached for B1 (self Employed) - Seller-05/22/2025 <br>Ready for Review-Document Uploaded. Please see attached for B1 (self Employed) - Seller-05/22/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/20/2025 | Ready for Review-Please see attached for B1 (xxx xxx) - Seller-05/22/2025 <br> Ready for Review-Document Uploaded. Please see attached for B1 (xxx xxx) - Seller-05/22/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/23/2025<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 - 20.20 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 - 20.13 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 - 5.65 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.81 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 38.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19417791 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11509384 | xxx | xxx C A | Closed | FCRE1198 | 2025-05-15 16:18 | 2025-05-23 09:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Hello,<br>I would need to see the specific guideline they are referring to there are no reserve requirements for xxx<br>xxx \| Sr. Underwriter<br> p xxx x xxx \| o xxx<br> xxx \| xxx - Seller-05/22/2025 <br> Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 - Due Diligence Vendor-05/15/2025 | Ready for Review-Hello,<br>I would need to see the specific guideline they are referring to there are no reserve requirements for xxx<br>xxx xxx \| xxx. xxx<br> p xxx x xxx \| o xxx<br> xxx .xxx@xxx.com \| xxx.com - Seller-05/22/2025 | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-05/23/2025 | 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 - 7.24 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 0.18<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 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 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16515815 | xxx | xxx C A | Closed | FCRE5790 | 2025-05-15 20:02 | 2025-06-03 18:04 | 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-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/03/2025<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 - 24.37 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.02% 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16515815 | xxx | xxx C A | Closed | FCRE5791 | 2025-05-15 20:02 | 2025-06-03 18:04 | 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-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-06/03/2025<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 - 24.37 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.02% 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11430316 | xxx | xxx C A | Closed | FCRE1193 | 2025-05-15 18:26 | 2025-06-06 12:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.45% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. updated the income using an average off of the new WVOE pulled through work # VOE. Instead of using xxx/xxxaverage of the rental income, using xxx average. Only one year is required. the DTI is now under 50 % including the xxx payment in the DTI. - Seller-06/04/2025 <br> Open-Audited DTI of 54.74% exceeds Guideline DTI of 50% Provide documentation or credit supplement to support the exclusion of xxx revolving payment of $xxx. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. updated the income using an average off of the new WVOE pulled through work # VOE. Instead of using xxx/xxx average of the xxx income, using xxx average. Only one year is required. the DTI is now under 50 % including the xxx payment in the DTI. - Seller-06/04/2025 | Resolved-Audited DTI of 49.45% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/06/2025<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 - 7.98 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19458139 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17969478 | xxx | xxx D A | Closed | FCRE1325 | 2025-05-20 17:15 | 2025-05-22 14:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. - Seller-05/21/2025 <br>Open-Borrower 1 CPA Letter Missing Provide the CPA letter that verifies the borrower's business expense factor. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-05/21/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/22/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 32.16% 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<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.9% 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 55.52 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 - 20.08 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 - 9.16 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 |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19587471 | xxx | xxx C A | Closed | finding-3532 | 2025-05-21 19:37 | 2025-05-23 07:04 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/23/2025 <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. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/21/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45% 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 - 19.75 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.58% 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 - 30.78 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 - 30.79 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19587471 | xxx | xxx C A | Closed | FCOM1797 | 2025-05-19 18:53 | 2025-05-23 07:03 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-05/22/2025 <br>Open-Service Provider List is Missing - Due Diligence Vendor-05/19/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45% 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 - 19.75 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.58% 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 - 30.78 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 - 30.79 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19587471 | xxx | xxx C A | Closed | FCOM1266 | 2025-05-19 18:51 | 2025-05-23 07:03 | 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-05/23/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-05/22/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-05/19/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45% 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 - 19.75 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.58% 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 - 30.78 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 - 30.79 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19587471 | xxx | xxx C A | Closed | FCOM4227 | 2025-05-19 18:52 | 2025-05-23 07:00 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. see attached initial CD - Buyer-05/22/2025 <br>Open- Missing Initial Closing Disclosure - Due Diligence Vendor-05/19/2025 |  | Resolved-ICD received, data entered - Due Diligence Vendor-05/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45% 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 - 19.75 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.58% 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 - 30.78 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 - 30.79 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18924252 | xxx | xxx D A | Closed | FCRE1157 | 2025-05-17 00:15 | 2025-05-28 08:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-05/23/2025 <br>Open-Missing Hazard Insurance Policy in Package - Due Diligence Vendor-05/17/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.19% 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 39.7 Are Greater Than The Guideline Minimum Of 0 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 - 6.69 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 - 5.35 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 0.05 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16020969 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10400980 | xxx | xxx D A | Closed | FCRE1335 | 2025-05-21 17:23 | 2025-06-02 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. Transcripts submitted. - Seller-05/29/2025 <br> Open-Borrower 1 IRS Transcripts Missing Missing W2 and 1040 xxx transcripts - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. Transcripts submitted. - Seller-05/29/2025<br>| Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-06/02/2025<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 - 25.37 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% 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 - 9.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.17 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 - 25.00 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19697561 | xxx | xxx D A | Closed | FCRE1316 | 2025-05-22 13:52 | 2025-05-28 13:38 | 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-05/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/26/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide the Third-Party Business verification completed prior to close. - Due Diligence Vendor-05/22/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/28/2025<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 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 27.45% 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 - 35.75 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.58 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 - 35.98 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17917785 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17848066 | xxx | xxx B A | Closed | FCOM1797 | 2025-05-19 16:48 | 2025-05-23 06:51 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. see entire initial package as requested - Buyer-05/23/2025 <br>Open-Missing Service Provider List is Missing. \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/22/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/23/2025<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 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.88% 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 9.84% 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 xxx 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 - 5.15 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17848066 | xxx | xxx B A | Closed | FCOM1266 | 2025-05-19 16:46 | 2025-05-23 06:51 | 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-05/23/2025 <br>Ready for Review-Document Uploaded. see entire initial disclosure package as requested - Buyer-05/23/2025 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/22/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/23/2025<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 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.88% 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 9.84% 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 xxx 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 - 5.15 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11457931 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 15353253 | xxx | xxx C A | Closed | finding-47 | 2025-05-18 09:03 | 2025-05-23 06:45 | 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-05/23/2025 <br> Ready for Review-Document Uploaded. - Seller-05/22/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - 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-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/22/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-05/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.24% 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 66.08 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13502161 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17148022 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12024558 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15745868 | xxx | xxx D A | Closed | FCOM1220 | 2025-05-20 11:24 | 2025-05-27 07:29 | 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-05/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/26/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-05/20/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-05/27/2025<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 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.69% 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 30.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15745868 | xxx | xxx D A | Closed | FCOM1274 | 2025-05-21 01:11 | 2025-05-27 07:28 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-N/A 2nd lien - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Rebut-escrow account not available under our xxx program, and they're already collected through the first mortgage with xxx. - Buyer-05/26/2025 <br> Open-Escrow Waiver is Missing - Due Diligence Vendor-05/21/2025 |  | Resolved-N/A 2nd lien - Due Diligence Vendor-05/27/2025<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 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.69% 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 30.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17652766 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19048646 | xxx | xxx D A | Closed | FCRE1316 | 2025-05-25 22:04 | 2025-05-28 13:39 | 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-05/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/26/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/26/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.32% 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 51.56 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 - 11.00 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 - 10.60 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 0.05 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15078760 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13260906 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16512924 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18741493 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18748602 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19933502 | xxx | xxx B A | Closed | FCRE1183 | 2025-05-27 11:10 | 2025-05-28 16:00 | 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-05/28/2025 <br> Resolved-$xxx located in other payment is the difference between actual and the Mortgage statement escrow. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Open-Other monthly amount of xxx found on 1008, documentation to validate this amount is not found in the file. As a result calculated dti is 32.68% compared to lender dti of 35.15%<br> - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/28/2025 <br> Resolved-$xxx located in other payment is the difference between actual and the Mortgage statement escrow. - Due Diligence Vendor-05/28/2025 | 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 - 7.37 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 32.68% 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11278892 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10464421 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10148114 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 16336671 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12104113 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14306572 | xxx | xxx D A | Closed | FCRE1161 | 2025-05-21 15:49 | 2025-06-03 08:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.09% 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 - 6.67 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 77.77% 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 11.03 Are Greater Than The Guideline Minimum Of 0 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 - 6.47 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 - 6.38 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 12071525 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 16431875 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14103170 | xxx | xxx C A | Closed | FCRE1344 | 2025-05-29 11:08 | 2025-06-03 08:16 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Business xxx statements provided. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/30/2025 <br> Open-Provide the qualifying 12-months business xxx statements for xxx. - Due Diligence Vendor-05/29/2025 |  | Resolved-Business Bank statements provided. - Due Diligence Vendor-06/03/2025<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.26% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.83 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 64.78% Is Below the Guideline Maximum Of 80% 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 - 25.29 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 - 25.29 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 16366253 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10701773 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18101471 | xxx | xxx C A | Closed | FCRE9488 | 2025-05-28 07:05 | 2025-05-30 09:08 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Corrected Appraisal provided. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/28/2025 <br>Open-Update of occupancy for appraisal needed. Appraiser noted page 23, owner occupant instead of tenant - Due Diligence Vendor-05/28/2025 |  | Resolved-Corrected Appraisal provided. - Due Diligence Vendor-05/30/2025<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.42% 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 75.7 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11912306 | xxx | xxx C A | Closed | FCRE1193 | 2025-05-30 09:12 | 2025-06-06 12:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-updated 1003 with correct Primary PITIA listed - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Counter-Document Uploaded. The Final 1003 states Primary Residence PITIA as $xxx ($xxx + $xxx) however the Mortgage statement in the file states PITIA $xxx Escrowed. where is the additional $xxx from from? - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. Please see the corrected 1008 with the payment of the 2nd and updated Insurance and Taxes.<br>Ratios are 10.75/43.007 - Seller-05/30/2025 <br> Open-Second Mortgage P&I does not appear to be included in ratios on 1008 causing variance in DTI audit 45.04% vs lender 41.39%.<br> - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Ready for Review-Document Uploaded. Please see the corrected 1008 with the payment of the 2nd and updated Insurance and Taxes.<br>Ratios are xxx/xxx - Seller-05/30/2025 | Resolved-updated 1003 with correct Primary PITIA listed - Due Diligence Vendor-06/06/2025<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 Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 43.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.1 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 - 43.42 Years |  | xxx.pdf<br> xxx .jpg<br> xxx.jpg<br> xxx.jpg<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11912306 | xxx | xxx C A | Closed | FCRE1344 | 2025-05-22 14:10 | 2025-06-03 12:50 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-xxx xxx xxx statement provided. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Open-Account Number \*xxx xxx xxx Statement is missing - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-xxx Bank statement provided. - Due Diligence Vendor-06/03/2025 | 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 Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 43.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.1 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 - 43.42 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14555520 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18089007 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13554218 | xxx | xxx C A | Closed | FCRE8611 | 2025-05-30 09:04 | 2025-06-03 16:10 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-Updated 1008 provided with audited DTI of 43.849% - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/31/2025 <br> Open-Income discrepancy causing DTI discrepancy. Final 1003 & 1008 reflect B2 base income of $xxx. Income docs reflect $xxx. Audit DTI 43.84% vs Lender 39.57%. Provide updated 1008 or updated income docs reflecting base income of $xxx. - Due Diligence Vendor-05/30/2025 |  | Resolved-Updated 1008 provided with audited DTI of 43.849% - Due Diligence Vendor-06/03/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.84% 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 xxx 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 41.51 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 - 14.00 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 0.11<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 - 15.37 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11367735 | xxx | xxx D A | Closed | FCRE1503 | 2025-05-23 06:29 | 2025-06-06 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Note, First Payment Letter and Final CD provided. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Thank you for the clarification. Please see attached as requested. Thanks! - Buyer-06/05/2025 <br> Counter-Document Uploaded. Final 1003 reflects xxx on B1 application showing xxx - New Loan iao $xxx with a monthly payment of $xxx. First Payment Letter, Note and/or Final CD are missing. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Rebut-not sure why you're asking for this. No indication that the borrower has ownership in this property. Please clarify or clear. Thanks! - Buyer-05/30/2025 <br> Open-Mortgage Statement is missing for "xxx " - Due Diligence Vendor-05/23/2025 |  | Resolved-Note, First Payment Letter and Final CD provided. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 23.41 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 40.6% 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 - 35.00 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 - 6.11 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 - 23.06 Years |  | xxx.jpg<br> xxx.jpg<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11367735 | xxx | xxx D A | Closed | FCRE7497 | 2025-05-23 06:29 | 2025-06-03 08:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statement provided. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-05/30/2025 <br> Open-HOA is missing for "xxx" - Due Diligence Vendor-05/23/2025 |  | Resolved-HOA statement provided. - Due Diligence Vendor-06/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 23.41 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 40.6% 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 - 35.00 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 - 6.11 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 - 23.06 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19165195 | xxx | xxx D A | Closed | FCOM1544 | 2025-05-23 14:26 | 2025-05-31 11:47 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-PCCD in lieu of FCD w/ICD issued not less than 3 days prior to consummation, and no fee increase, is compliant, no additional compliance findings. - Due Diligence Vendor-05/31/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/30/2025 <br>Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure - Due Diligence Vendor-05/23/2025 |  | Resolved-PCCD in lieu of FCD w/ICD issued not less than 3 days prior to consummation, and no fee increase, is compliant, no additional compliance findings. - Due Diligence Vendor-05/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.91% 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 27.17 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 - 22.50 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 - 27.39 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 - 27.38 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14815954 | xxx | xxx C A | Closed | FCRE1195 | 2025-05-29 20:21 | 2025-06-03 13:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 79.99% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-05/30/2025 <br>Open-Audited CLTV of 80.04% exceeds Guideline CLTV of 80% - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-Audited CLTV of 79.99% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-06/03/2025<br>| Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<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 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 - 16.59 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.21 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 0.12<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14815954 | xxx | xxx C A | Closed | finding-47 | 2025-05-27 13:59 | 2025-05-31 10:08 | 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-05/31/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/31/2025<br>| Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<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 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 - 16.59 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.21 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 0.12<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13687420 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15373810 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13437980 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17701210 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10087425 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18127831 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16243693 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13466620 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15986945 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10205540 | xxx | xxx D A | Closed | FCRE1201 | 2025-05-31 19:27 | 2025-06-04 16:17 | 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-06/04/2025 <br> Ready for Review-A copy of our fraud report can be located starting on xxx in the closed loan package. - Seller-06/02/2025 <br> Open-Missing Third Party Fraud Report Provide the Third-Party Fraud Report for the Borrower and Co-borrower. - Due Diligence Vendor-05/31/2025 | Ready for Review-A copy of our fraud report can be located starting on page xxx of xxx in the closed loan package. - Seller-06/02/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 6.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.35% 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 - 523 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.79% 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 0.17<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 - 5.23 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19589318 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11053305 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11725648 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11068704 | xxx | xxx D B A | Closed | FCRE1164 | 2025-06-03 16:47 | 2025-06-03 16:48 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Waived-Approved Lender Exception: Exception to waive the requirement for flood insurance. Garage is the only portion in the flood zone. - Due Diligence Vendor-06/03/2025 <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-06/03/2025 |  | Waived-Approved Lender Exception: Exception to waive the requirement for flood insurance. Garage is the only portion in the flood zone. - Due Diligence Vendor-06/03/2025<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 - 23.38 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 | B has multiple mortgages dating back to xxx.<br> NO lates reported on any of the trades.<br> Max - 80% Subject - 74.2% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 14940931 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11250616 | xxx | xxx C A | Closed | finding-47 | 2025-05-27 16:55 | 2025-06-04 08:26 | 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-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.15% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.66% 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 - 7.00 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 - 21.81 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.75 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 - 19.13 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 - 19.12 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14230541 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11182366 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12349430 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13244314 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13436061 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14917543 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15045124 | xxx | xxx B A | Closed | FCRE1182 | 2025-06-02 12:52 | 2025-06-05 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-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/05/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.81% 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 14.14 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 - 16.25 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 - 16.25 Years |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15856109 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17596955 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11915383 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15926618 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19699553 | xxx | xxx D A | Closed | FCRE6019 | 2025-05-29 05:42 | 2025-06-05 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Drivers License Provided for both borrowers. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Provide the Patriot Act Identification for xxx and xxx. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Drivers License Provided for both borrowers. - Due Diligence Vendor-06/05/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.71% 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 xxx is Greater Than The Guideline Minimum Of 660 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 - 22.13 Years<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 - 22.13 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15436070 | xxx | xxx B A | Closed | FCRE1183 | 2025-06-02 19:41 | 2025-06-04 10:45 | 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-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-06/04/2025 <br>Open-1008/Underwriting Summary Partially Provided The provided Underwriting Transmittal Summary does not include the first lien mortgage payment amount for the subject property. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/04/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<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 - 8.38 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.69% 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 - 13.17 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16253130 | xxx | xxx C B A | Closed | FCRE1196 | 2025-06-02 13:22 | 2025-06-04 12:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Approved Lender Exception: Max LIV for warrantable condos - 75% Subject -80%. Also, received an exterior appraisal in lieu of a PCI. using value from exterior for qualifying. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. Not sure what you're looking for. The exception was granted. - Buyer-06/02/2025 <br> Open-Audited HCLTV of 79.24% exceeds Guideline HCLTV of 75% Exception for LTV is on xxx. - Due Diligence Vendor-06/02/2025 |  | Waived-Approved Lender Exception: Max LIV for warrantable condos - 75% Subject -80%. Also, received an exterior appraisal in lieu of a PCI. using value from exterior for qualifying. - Due Diligence Vendor-06/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.28% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 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 - 8.92 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 - 7.05 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 - 20.25 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 0.15 | Max - 50% Subject - < 20%<br> History dating back to xxx. NO lates reported | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxx |
| 16253130 | xxx | xxx C B A | Closed | FCRE1195 | 2025-06-02 13:22 | 2025-06-04 12:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Approved Lender Exception: Max LIV for warrantable condos - 75% Subject -80%. Also, received an exterior appraisal in lieu of a PCI. using value from exterior for qualifying. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. No sure what you need. A copy of the exception approval that was submitted with the file is attached again for your review. - Buyer-06/02/2025 <br> Open-Audited CLTV of 79.24% exceeds Guideline CLTV of 75% Exception for LTV is on xxx. - Due Diligence Vendor-06/02/2025 |  | Waived-Approved Lender Exception: Max LIV for warrantable condos - 75% Subject -80%. Also, received an exterior appraisal in lieu of a PCI. using value from exterior for qualifying. - Due Diligence Vendor-06/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.28% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 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 - 8.92 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 - 7.05 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 - 20.25 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 0.15 | Max - 50% Subject - < 20%<br> History dating back to xxx. NO lates reported | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxx |
| 18783962 | xxx | xxx D A | Closed | FCRE1316 | 2025-06-02 11:35 | 2025-06-04 17:43 | 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-06/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-06/02/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/02/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/04/2025<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.02% 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 72.26 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 64.58% 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 - 6.14 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 - 15.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18852979 | xxx | xxx D A | Closed | FCRE2109 | 2025-06-02 12:17 | 2025-06-04 16:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-06/02/2025 <br>Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-06/02/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/04/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.34% 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 0.05<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 - 5.64 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15346668 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 10408411 | xxx | xxx B A | Closed | FCRE1182 | 2025-06-02 14:10 | 2025-06-04 17:44 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-06/02/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/02/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/04/2025<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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 36.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13630448 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19124701 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 17546688 | xxx | xxx D A | Closed | FCRE1342 | 2025-06-02 15:53 | 2025-06-05 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-xxx statement provided. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-Missing the xxx statement from xxx acct #xxx that reflects minimum deposits totaling $xxx for the month. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-xxx Bank statement provided. - Due Diligence Vendor-06/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 31.16 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 - 5.58 Years Borrower At Current Residence For Five (5) Or More Years - 5.58 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12101279 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11117440 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14019170 | xxx | xxx C A | Closed | finding-3631 | 2025-05-30 19:05 | 2025-06-10 08:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Application date xxx - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. You are looking on the withdrawn disclosure(xxx). Please refer to the new initial disclosure (xxx) issued on xxx. The credit report is $xxx and a processing fee of $xxx all the way to closing - Seller-06/09/2025 <br> Counter-xxx Initial Loan Estimate provided indicates a credit report charge of $xxx and a Processing fee of $xxx. - These charges increased to $xxx and $xxx respectively. -- Total of ALL 0% tolerance violations = $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. Please re-visit. <br> There was no increase on credit report fee, from initial LE to 2ND CD credit report is at $xxx it was reduced to $xxx at closing CD.<br> for the 3RD party Processing Fee : the amount never changed, $xxx from Initial LE to Closing CD - Seller-06/06/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* CREDIT REPORT increased from xxx to xxx with no evidence of a valid change of circumstance event evident. O% cure in the amount of $xxx is required. `````additionally `````` PROCESSING FEE in the amount of xxx increased to xxx. This fee appears to have been under disclosed at initial loan estimate. 0% tolerance cure in the amount of $xxx is required. .>>>>>>>>>>>>>>>>>>>> Total of ALL 0% tolerance violations = $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing.`````` - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. You are looking on the withdrawn disclosure(xxx). Please refer to the new initial disclosure (xxx) issued on xxx. The credit report is $xxx and a processing fee of $xxx all the way to closing - Seller-06/09/2025 <br> Ready for Review-Document Uploaded. Please re-visit. <br> There was no increase on credit report fee, from initial LE to 2ND CD credit report is at $xxx it was reduced to $xxx at closing CD.<br> for the 3RD party Processing Fee : the amount never changed, $xxx from Initial LE to Closing CD - Seller-06/06/2025 | Resolved-Application date xxx - Due Diligence Vendor-06/10/2025 | 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 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> 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 - 8.07 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.33% 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 xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14019170 | xxx | xxx C A | Closed | finding-3632 | 2025-05-30 19:05 | 2025-06-10 08:35 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Application date xxx - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. You are looking on the withdrawn disclosure(xxx). Please refer to the new initial disclosure (xxx) issued on xxx. The credit report is $xxx and a processing fee of $xxx all the way to closing - Seller-06/09/2025 <br> Counter-xxx Initial Loan Estimate provided indicates a credit report charge of $xxx and a Processing fee of $xxx. - These charges increased to $xxx and $xxx respectively. -- Total of ALL 0% tolerance violations = $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Please re-visit. <br> There was no increase on credit report fee, from initial LE to 2ND CD credit report is at $xxx it was reduced to $xxx at closing CD.<br> for the 3RD party Processing Fee : the amount never changed, $xxx from Initial LE to Closing CD - Seller-06/06/2025 <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. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* CREDIT REPORT increased from xxx to xxx with no evidence of a valid change of circumstance event evident. O% cure in the amount of $xxx is required. `````additionally `````` PROCESSING FEE in the amount of xxx increased to xxx. This fee appears to have been under disclosed at initial loan estimate. 0% tolerance cure in the amount of $xxx is required. .>>>>>>>>>>>>>>>>>>>> Total of ALL 0% tolerance violations = $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing.`````` - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. You are looking on the withdrawn disclosure(xxx). Please refer to the new initial disclosure (xxx) issued on xxx. The credit report is $xxx and a processing fee of $xxx all the way to closing - Seller-06/09/2025 <br> Ready for Review-Please re-visit. <br> There was no increase on credit report fee, from initial LE to 2ND CD credit report is at $xxx it was reduced to $xxx at closing CD.<br> for the 3RD party Processing Fee : the amount never changed, $xxx from Initial LE to Closing CD - Seller-06/06/2025 | Resolved-Application date xxx - Due Diligence Vendor-06/10/2025 | 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 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> 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 - 8.07 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.33% 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 xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14019170 | xxx | xxx C A | Closed | finding-3634 | 2025-05-30 19:05 | 2025-06-10 08:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Application date xxx - Due Diligence Vendor-06/10/2025 <br> Ready for Review-You are looking on the withdrawn disclosure(xxx). Please refer to the new initial disclosure (xxx) issued on xxx. The credit report is $xxx and a processing fee of $xxx all the way to closing - Seller-06/09/2025 <br> Counter-xxx Initial Loan Estimate provided indicates a credit report charge of $xxx and a Processing fee of $xxx. - These charges increased to $xxx and $xxx respectively. -- Total of ALL 0% tolerance violations = $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Please re-visit. <br> There was no increase on credit report fee, from initial LE to 2ND CD credit report is at $xxx it was reduced to $xxx at closing CD.<br> for the 3RD party Processing Fee : the amount never changed, $xxx from Initial LE to Closing CD - Seller-06/06/2025 <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 $146.00.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). \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* CREDIT REPORT increased from xxx to xxx with no evidence of a valid change of circumstance event evident. O% cure in the amount of $xxx is required. `````additionally `````` PROCESSING FEE in the amount of xxx increased to xxx. This fee appears to have been under disclosed at initial loan estimate. 0% tolerance cure in the amount of $xxx is required. .>>>>>>>>>>>>>>>>>>>> Total of ALL 0% tolerance violations = $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing.`````` - Due Diligence Vendor-06/04/2025 | Ready for Review-You are looking on the withdrawn disclosure(xxx). Please refer to the new initial disclosure (xxx) issued on xxx. The credit report is $xxx and a processing fee of $xxx all the way to closing - Seller-06/09/2025 <br> Ready for Review-Please re-visit. <br> There was no increase on credit report fee, from initial LE to 2ND CD credit report is at $xxx it was reduced to $xxx at closing CD.<br> for the 3RD party Processing Fee : the amount never changed, $xxx from Initial LE to Closing CD - Seller-06/06/2025 | Resolved-Application date xxx - Due Diligence Vendor-06/10/2025 | 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 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> 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 - 8.07 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.33% 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 xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14479238 | xxx | xxx C A | Closed | FCRE1193 | 2025-06-04 12:03 | 2025-06-10 13:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 provided now reflecting audited DTI - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. Concur- please see updated 1008 - Buyer-06/08/2025 <br>Open-DTI variance, Lender used full PITIA in final 1008 for 1st lien P&I only. Discrepancy - audit 37.76% vs lender 43.09% - Due Diligence Vendor-06/04/2025 |  | Resolved-Updated 1008 provided now reflecting audited DTI - Due Diligence Vendor-06/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.58 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 0.17<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 10.50 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.15 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19354833 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18925109 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18986439 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18786301 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12175215 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18016369 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19698993 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11993949 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15585066 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10121475 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16380875 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18690794 | xxx | xxx D A | Closed | FCRE5782 | 2025-05-30 08:55 | 2025-06-05 14:35 | 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-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Borrower 1 Gap Credit Report is Missing The Gap Credit Report for xxx was not located in the loan file. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 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 70.2% 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 0.13<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 7.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18129599 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10854784 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11169185 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13354973 | xxx | xxx D A C | Closed | FCRE1145 | 2025-06-02 10:36 | 2025-06-05 14:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/04/2025 <br>Open-Title Document is missing. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-06/05/2025<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 - 10.16 Years. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 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 - 10.27 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.27 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx 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 0.18. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<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 0 By Six (6) Or More Months. Months Reserves Of 10.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 13354973 | xxx | xxx D A C | Closed | finding-3652 | 2025-06-02 16:34 | 2025-06-05 13:23 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <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 ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\* Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $xxx Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/05/2025<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 - 10.16 Years. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 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 - 10.27 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.27 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx 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 0.18. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<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 0 By Six (6) Or More Months. Months Reserves Of 10.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14619617 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17507716 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10099967 | xxx | xxx C A | Closed | FVAL9739 | 2025-06-03 18:23 | 2025-06-13 14:05 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Updated 1008 provided & LOE confirming the Monthly HOA fee is $xxx per month - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Concur with the appraiser-please see attached revised 1008 and email from the HOA management company. - Buyer-06/11/2025 <br> Open-Hoa dues on the appraisal state $xxx per month. Lender to provide documentation showing hoa dues are $xxx a month - Due Diligence Vendor-06/03/2025 |  | Resolved-Updated 1008 provided & LOE confirming the Monthly HOA fee is $xxx per month - Due Diligence Vendor-06/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.77% 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 - 15.02 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.93 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 - 15.02 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 0.23 |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10256461 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13409063 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18493126 | xxx | xxx D A | Closed | FCRE1197 | 2025-06-04 09:02 | 2025-06-06 16:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <br> Open-Audited FICO of is less than Guideline FICO of xxx Audited FICO is missing, assumed less than Guideline FICO of xxx. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-06/06/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCRE1182 | 2025-06-04 09:02 | 2025-06-06 16:56 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCRE1161 | 2025-06-03 01:33 | 2025-06-06 16:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCRE1164 | 2025-06-03 01:33 | 2025-06-06 16:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. not needed, not in a flood zone - Seller-06/05/2025 <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. not needed, not in a flood zone - Seller-06/05/2025 | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCRE1157 | 2025-06-03 01:33 | 2025-06-06 16:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCRE1201 | 2025-06-03 01:35 | 2025-06-06 16:51 | 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-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCRE1437 | 2025-06-03 01:39 | 2025-06-06 16:51 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. I apologize, I was not able to upload the CREDIT with the closing package.<br> - Seller-06/05/2025 <br>Open-Income and Employment Do Not Meet Guidelines. Missing income documents for both B1 & B2. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. I apologize, I was not able to upload the CREDIT with the closing package.<br> - Seller-06/05/2025<br>| Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCRE1348 | 2025-06-03 01:39 | 2025-06-06 16:51 | Resolved | 1 - Information C A | Credit | Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 2 Total Years Employment Verified is Greater Than or Equal To 24 Months or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Borrower 2 Total Years Employment Verified is Greater Than or Equal To 24 Months or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCRE1347 | 2025-06-03 01:39 | 2025-06-06 16:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCRE1317 | 2025-06-03 01:39 | 2025-06-06 16:51 | Resolved | 1 - Information C A | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCRE1316 | 2025-06-03 01:39 | 2025-06-06 16:51 | 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-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCRE1145 | 2025-06-03 01:23 | 2025-06-06 16:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Title Document is missing - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCRE5770 | 2025-06-03 01:48 | 2025-06-06 16:41 | 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-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCRE5771 | 2025-06-03 01:48 | 2025-06-06 16:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCOM1252 | 2025-06-03 06:55 | 2025-06-06 09:12 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-documentation received, data entered, no additional compliance findings - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-\*\*\* Initial Loan Estimate (required to be provided to the consumer within 3 business days after 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-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-documentation received, data entered, no additional compliance findings - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCOM4227 | 2025-06-03 06:55 | 2025-06-06 09:12 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-documentation received, data entered, no additional compliance findings - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <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-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-documentation received, data entered, no additional compliance findings - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCOM1797 | 2025-06-03 06:55 | 2025-06-06 09:12 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-documentation received, data entered, no additional compliance findings - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open- - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-documentation received, data entered, no additional compliance findings - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCOM1266 | 2025-06-03 07:08 | 2025-06-06 08:54 | 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-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCOM1477 | 2025-06-03 07:08 | 2025-06-06 08:54 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18493126 | xxx | xxx D A | Closed | FCOM1231 | 2025-06-03 01:07 | 2025-06-06 08:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 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 - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10440327 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 14454760 | xxx | xxx C A | Closed | FCRE1253 | 2025-06-02 21:33 | 2025-06-05 12:37 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Open-Missing Property Tax Cert in The Package - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Property Tax Cert Provided - Due Diligence Vendor-06/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 37.35 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 52.92% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17476367 | xxx | xxx C A | Closed | FCRE5790 | 2025-06-04 18:03 | 2025-06-06 17:05 | 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-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/06/2025<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 - 13.12 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.08% 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 - 32.67 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<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 - 15.05 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 - 13.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.5% 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 30.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17476367 | xxx | xxx C A | Closed | FCRE5791 | 2025-06-04 18:03 | 2025-06-06 17:05 | 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-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/05/2025 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-06/06/2025<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 - 13.12 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.08% 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 - 32.67 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<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 - 15.05 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 - 13.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.5% 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 30.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17476367 | xxx | xxx C A | Closed | finding-3652 | 2025-06-02 17:37 | 2025-06-06 09:23 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/05/2025 <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 ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*Lender Credit reduced from$xxx to $xxx on the FCD , resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/05/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/06/2025<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 - 13.12 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.08% 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 - 32.67 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<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 - 15.05 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 - 13.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.5% 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 30.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14786503 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18347062 | xxx | xxx D A | Closed | FCRE1342 | 2025-06-03 13:49 | 2025-06-06 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx Statements Provided - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. Borrower did not start using xxx as primary until xxx xxx. Attached are the statements & LOE. - Seller-06/04/2025 <br> Open-Borrower 1 Business xxx Statements Missing xxx - xxx xxx xxx and xxx xxx Statements not provided. LOE for switching business account missing. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Borrower did not start using xxx as primary until xxx xxx . Attached are the statements & LOE. - Seller-06/04/2025 | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/06/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.69% 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 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.85 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 - 7.40 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18347062 | xxx | xxx D A | Closed | FCRE1145 | 2025-06-03 13:42 | 2025-06-06 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. - Seller-06/04/2025 <br>Open-Title Document is missing Title policy not provided. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-06/06/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.69% 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 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.85 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 - 7.40 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19046210 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12745747 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11904096 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11626222 | xxx | xxx D A | Closed | FCOM1262 | 2025-06-04 15:32 | 2025-06-12 14:46 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Counter-\*\*\*\*\*\*\* •Per documentation provided. Borrower executed Right to Cancel(s) on xxx Please Provided xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/10/2025 <br> Open-Right of Rescission is Missing - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.97% 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 - 10.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.32% 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 - 7.37 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19697596 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16454329 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17385827 | xxx | xxx D A | Closed | FCRE5782 | 2025-06-03 15:58 | 2025-06-11 14:08 | 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-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.62% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.13<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.7 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 - 10.08 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16285476 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13498923 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12939319 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19589611 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16722031 | xxx | xxx C B A | Closed | FCRE1200 | 2025-06-05 09:07 | 2025-06-10 13:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Approved Lender Exception: Min = $xxx Subject - xxx. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please see attached exception approval that was made during the UW process. - Buyer-06/07/2025 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-06/05/2025 |  | Waived-Approved Lender Exception: Min = $xxx Subject - xxx. - Due Diligence Vendor-06/10/2025 | 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 - 8.90 Years<br>Borrower At Current Residence For Five (5) Or More 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 9.02 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 | Accounts dating back to xxx. No later reported on any of the trades.<br> Borrower has been with the same job for almost 10 years | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 16462074 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11015785 | xxx | xxx C A | Closed | finding-3532 | 2025-06-04 02:13 | 2025-06-06 09:52 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. initial CD went out xxx and was esigned by both borrowers on xxx. Here is the signed CD that was already in the package. Earliest doc date is xxx. - Buyer-06/05/2025 <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. \*\*\*\*\*Lender to provide evidence that the borrow receive the initial closing disclosure - Due Diligence Vendor-06/05/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.24 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 - 12.00 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 0.23<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 - 5.21 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 16644456 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15837192 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17475972 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18744451 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14274503 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17742508 | xxx | xxx D A C | Closed | finding-3542 | 2025-06-09 07:56 | 2025-06-14 23:08 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Resolved - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Can you explain why we need to reset the 3 day waiting period? The COC for the revised CD was due to pricing adjust due to DTI change. The APR went from by .xxx from initial CD - Seller-06/13/2025 <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:"USPS 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. - Due Diligence Vendor-06/09/2025 | Ready for Review-Can you explain why we need to reset the xxx day waiting period? The COC for the revised CD was due to pricing adjust due to DTI change. The APR went from by xxx from initial CD - Seller-06/13/2025 | Resolved-Resolved - Due Diligence Vendor-06/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 30.09% 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 - 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 13.69 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 41.34% 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 - 40.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17742508 | xxx | xxx D A C | Closed | FCRE1145 | 2025-06-04 11:29 | 2025-06-10 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-06/06/2025 <br>Open-Title Document is missing in Package. - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-06/10/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 30.09% 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 - 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 13.69 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 41.34% 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 - 40.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17742508 | xxx | xxx D A C | Closed | FCRE5782 | 2025-06-05 18:57 | 2025-06-10 09:35 | 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-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-06/06/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/10/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 30.09% 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 - 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 13.69 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 41.34% 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 - 40.00 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17742508 | xxx | xxx D A C | Closed | finding-3652 | 2025-06-04 16:37 | 2025-06-09 07:56 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC events provided - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <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 ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*Lender credit decreased in the Final CD. The original file does not contain a valid COC in relation to the decrease. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Resolved-COC events provided - Due Diligence Vendor-06/09/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 30.09% 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 - 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 13.69 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 41.34% 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 - 40.00 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14079071 | xxx | xxx D A | Closed | FCRE9549 | 2025-06-05 15:58 | 2025-06-12 16:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Updated 1003 & CBR provided. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Attached Credit Report & corrected 1003 showing the mo. Payment of $xxx - Seller-06/10/2025 <br> Counter-Document Uploaded. Per Final 1003 it states xxx with a Monthly Payment of $xxx & an UPD of $xxx - Missing supporting documentation for this debt - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Open-Documentation to verify new credit account monthly payment of $xxx to xxx was not provided. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Attached Credit Report & corrected 1003 showing the mo. Payment of $xxx - Seller-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 | Resolved-Updated 1003 & CBR provided. - Due Diligence Vendor-06/12/2025<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>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 - 10.56 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 - 10.56 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.43% 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 28.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf<br> xxx.jpg<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14079071 | xxx | xxx D A | Closed | FCRE1173 | 2025-06-05 15:29 | 2025-06-10 09:57 | 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-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Open-Missing HO-6 Master Insurance Policy Provide the Master Condominium Insurance Policy for xxx. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/10/2025<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>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 - 10.56 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 - 10.56 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.43% 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 28.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18231759 | xxx | xxx C A | Closed | finding-47 | 2025-06-04 17:12 | 2025-06-09 08:04 | 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-06/09/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - 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-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 26.87% 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 29.4 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 - 30.41 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.22% Is Below the Guideline Maximum Of 80% 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 - 30.42 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10819636 | xxx | xxx C A | Closed | finding-47 | 2025-06-06 17:06 | 2025-06-10 08:28 | 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-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*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-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.14% 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 24.49 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 At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40.21% 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 - 9.49 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10446512 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13216642 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 13816374 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19860100 | xxx | xxx C B A | Closed | FVAL9739 | 2025-06-10 13:05 | 2025-06-13 14:10 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Updated Appraisal Provided. - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. Please see attached.<br> - Buyer-06/12/2025 <br>Open-Appraisal states Subject Property is Owner occupied however Documents in file show this is an Investment Property. - Due Diligence Vendor-06/10/2025 |  | Resolved-Updated Appraisal Provided. - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.04<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 22.23% 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 - 10.41 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19860100 | xxx | xxx C B A | Closed | FCRE3874 | 2025-06-05 15:11 | 2025-06-13 14:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Approved Lender Exception: Exception needed for rural investment property. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. We made an exception for this during the underwriting process. - Buyer-06/11/2025 <br> Counter-Subject Loan is an Investment Property, Per 2nd Lien guidelines: xxx Ineligible Property Types - Rural Investor Properties & Rural 2nd Home - are Ineligible. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Unclear as to what this finding means. Please clarify. - Buyer-06/07/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Validated - Due Diligence Vendor-06/05/2025 |  | Waived-Approved Lender Exception: Exception needed for rural investment property. - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.04<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 22.23% 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 - 10.41 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Credit dating back to xxx. <br> No lates on entire report. <br> Mtg dating back to xxx.<br> Proof of receipt, but not using rental income for qualifying.<br> Has owned xxx business for 8+ years | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 11865622 | xxx | xxx D A | Closed | FCRE2109 | 2025-06-06 09:42 | 2025-06-10 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-06/07/2025 <br>Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-06/06/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.32 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 - 6.55 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<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.8% 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 40.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12751613 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 11258680 | xxx | xxx B A | Closed | FCOM1266 | 2025-06-05 21:37 | 2025-06-09 08:33 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-06/08/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-06/06/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/09/2025<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 - 29.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.63 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 - 30.00 Years<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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.73% 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 15.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17761423 | xxx | xxx C B A | Closed | FCRE8201 | 2025-06-10 16:46 | 2025-06-10 16:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Approved Lender Exception: Exception needed for borrowers in active forbearance that was taken out as a precaution due to business in the xxx xxx xxx. Outstanding balance will be paid off at<br> closing. - Due Diligence Vendor-06/10/2025 |  | Waived-Approved Lender Exception: Exception needed for borrowers in active forbearance that was taken out as a precaution due to business in the xxx xxx xxx. Outstanding balance will be paid off at<br> closing. - Due Diligence Vendor-06/10/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.71% 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 17.47 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 xxx 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 33.35% 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 - 7.66 Years | Max - 90% Subject - 74.7%<br> edx - 50% Subject - 37%<br> History dating back to xxx-no lates reported |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 17761423 | xxx | xxx C B A | Closed | FCRE5790 | 2025-06-06 18:25 | 2025-06-10 16:42 | Waived | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Approved Lender Exception: Exception for gap credit report expired by 1 day. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/09/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/06/2025 |  | Waived-Approved Lender Exception: Exception for gap credit report expired by 1 day. - Due Diligence Vendor-06/10/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.71% 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 17.47 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 xxx 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 33.35% 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 - 7.66 Years | Max - 90% Subject - 74.7%<br> DTI - 50% Subject - 37%<br> History dating back to xxx - no lates reported | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 11640616 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17801558 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16986429 | xxx | xxx D A | Closed | FCRE1503 | 2025-06-06 17:30 | 2025-06-11 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-REO Docs Provided. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-For the following properties mortgage statement for the 2nd mortgage are missing:<br> xxx<br> xxx<br>Missing mortgage statement for xxx. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-REO Docs Provided. - Due Diligence Vendor-06/11/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.98% 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 31.72 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 xxx 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 - 3441 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 - 34.43 Years |  | xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19913108 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18276058 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15903646 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15205486 | xxx | xxx D A | Closed | FCRE5782 | 2025-06-05 13:39 | 2025-06-11 14:09 | 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-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/11/2025<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.73% 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 - 18.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 11.00 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 - 10.74 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 76.3% 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 - 23.83 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15205486 | xxx | xxx D A | Closed | FCRE5783 | 2025-06-05 13:39 | 2025-06-11 14:09 | 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-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/10/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-06/11/2025<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.73% 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 - 18.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 11.00 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 - 10.74 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 76.3% 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 - 23.83 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11295788 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14736015 | xxx | xxx C A | Closed | FCRE5790 | 2025-06-05 10:00 | 2025-06-13 13:31 | 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-06/13/2025 <br>Ready for Review-Document Uploaded. - Seller-06/11/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Settlement Date). - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.03<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 17681369 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13690304 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18049024 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19498835 | xxx | xxx C A | Closed | FCRE1156 | 2025-06-07 14:36 | 2025-06-11 13:04 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/09/2025 <br> Open-Named Insured does not match Borrower(s) Name(s) B2's name is spelled incorrectly on hazard Dec page. Name should be spelled xxx not xxx - Due Diligence Vendor-06/07/2025 |  | Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-06/11/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.55% 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 12.79 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 41.13% 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 Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.40 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 - 26.40 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17246585 | xxx | xxx C A | Closed | finding-47 | 2025-06-06 05:21 | 2025-06-10 08:22 | 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-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - 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-06/08/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/10/2025<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 - 14.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19705211 | xxx | xxx D A | Closed | FCOM4227 | 2025-06-09 02:47 | 2025-06-11 11:30 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/10/2025 <br> Open-\*\*\*\*\*\*\*Closing date is xxx. 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-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-06/11/2025<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> 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 CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.6% 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 42.25% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19705211 | xxx | xxx D A | Closed | FCOM3957 | 2025-06-09 02:48 | 2025-06-11 11:30 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/10/2025 <br> Open-Application Date is xxx. and Initial Loan Estimate not provided within 3 Business days of application.<br> - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-06/11/2025<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> 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 CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.6% 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 42.25% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19705211 | xxx | xxx D A | Closed | FCOM1544 | 2025-06-05 15:43 | 2025-06-11 11:10 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/10/2025 <br>Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/11/2025<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> 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 CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.6% 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 42.25% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19705211 | xxx | xxx D A | Closed | FCOM1477 | 2025-06-09 02:44 | 2025-06-11 09:04 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. - Seller-06/10/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/11/2025<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> 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 CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.6% 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 42.25% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 16862895 | xxx | xxx C A | Closed | finding-697 | 2025-06-09 13:58 | 2025-06-10 09:27 | Resolved | 1 - Information C A | Compliance | Points & Fees | GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test | Resolved-Refund to borrower in the amount of xxx provided - Due Diligence Vendor-06/10/2025 <br> Resolved-This loan has terms that exceed the high-cost home loan points and fees threshold. (GA SB 53 7-6A-2(7),(17)(B))The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:5 percent of the total loan amount if the total loan amount is $xxx or more.The lesser of 8 percent of the total loan amount or $xxx if the total loan amount is less than $xxx. xxx xxx Refund of xxx provided - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-This loan has terms that exceed the high-cost home loan points and fees threshold. (GA SB 53 7-6A-2(7),(17)(B))The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:5 percent of the total loan amount if the total loan amount is $xxx or more.The lesser of 8 percent of the total loan amount or $xxx if the total loan amount is less than $xxx.\*\*\*\*\* $xxx Variance - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-Refund to borrower in the amount of xxx provided - Due Diligence Vendor-06/10/2025 <br> Resolved-This loan has terms that exceed the high-cost home loan points and fees threshold. (GA SB 53 7-6A-2(7),(17)(B))The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:5 percent of the total loan amount if the total loan amount is $xxx or more.The lesser of 8 percent of the total loan amount or $xxx if the total loan amount is less than $xxx. xxx xxx Refund of xxx provided - Due Diligence Vendor-06/10/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 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 - 6.48 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17823654 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17705140 | xxx | xxx D A | Closed | FCOM1544 | 2025-06-07 08:27 | 2025-06-17 09:49 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-PCCD received - no increase to ICD provided 3 days prior to consummation, data entered, no additional compliance findings. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. see attached! - Buyer-06/16/2025 <br> Counter-\*\*\* Please provide Lender PCCD balanced to title final figures for review. Thank you - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-06/11/2025 <br> Open-TRID: Missing Final Closing Disclosure \*\*\*\* Borrower(s) executed Final Closing Disclosure, 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-06/07/2025 |  | Resolved-PCCD received - no increase to ICD provided 3 days prior to consummation, data entered, no additional compliance findings. - Due Diligence Vendor-06/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.57% 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>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 - 16.41 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70.52% Is Below the Guideline Maximum Of 85% 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 - 5.00 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 - 16.41 Years |  | xxx.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 19398401 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14834834 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12385938 | xxx | xxx C B A | Closed | FCRE3874 | 2025-06-10 12:04 | 2025-06-13 13:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Approved Lender Exception: Exception needed for rural investment property. Subject is in xxx xxx and is close to the local schools, rec xxxs, and downtown. Not used for Ag purposes. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Please see attached exception that was discussed during underwriting but failed to get the formal approval in the file. - Buyer-06/11/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per Guidelines: xxx Loan Eligibility Guidelines HELoans xxx. PDF page 12 Section xxx Ineligible Property Types: Rural Investor Properties & Rural 2nd homes - Due Diligence Vendor-06/10/2025 |  | Waived-Approved Lender Exception: Exception needed for rural investment property. Subject is in xxx County and is close to the local schools, rec xxxs, and downtown. Not used for Ag purposes. - Due Diligence Vendor-06/13/2025 |  | LTV: Max - 80% Subject - 60%<br> B has multiple mortgages dating back to xxx. No lates reported on any of the trades. | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 17396764 | xxx | xxx C A | Closed | FCRE6696 | 2025-06-10 14:29 | 2025-06-13 14:01 | Resolved | 1 - Information C A | Credit | Income | Employment Self-Employed Less Than 2 Years at Origination | Resolved-Business License Provided - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. Rebut - CPA letter not required. Attached license from the City of xxx confirms business has been operating since xxx. - Buyer-06/11/2025 <br> Open-Missing CPA Verification of Borrower 2 years - Due Diligence Vendor-06/10/2025 |  | Resolved-Business License Provided - Due Diligence Vendor-06/13/2025<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 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 - 10.27 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 - 20 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15432250 | xxx | xxx D A | Closed | FCRE1342 | 2025-06-06 17:58 | 2025-06-15 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx Statements Provided - Due Diligence Vendor-06/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-06/12/2025 <br>Open-Borrower 1 Business xxx Statements Missing - Due Diligence Vendor-06/06/2025 |  | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.91 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 64.99% 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 - 8.00 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 - 6.71 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15858324 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15824237 | xxx | xxx B A | Closed | FCRE1183 | 2025-06-12 10:51 | 2025-06-15 12:00 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Updated 1008 provided now reflecting audited DTI of 37.071% - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. - Seller-06/12/2025 <br> Open-Underwriting summary provided does not include monthly HOA amount of $xxx which is causing a DTI discrepancy audit 37.07% vs lender 33.31% - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/12/2025<br>| Resolved-Updated 1008 provided now reflecting audited DTI of 37.071% - Due Diligence Vendor-06/15/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.07% 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 xxx is Greater Than The Guideline Minimum Of 660 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 - 15.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.2 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 51.33% 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 - 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 0.07 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14527575 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17722744 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18128073 | xxx | xxx C A | Closed | FCRE1193 | 2025-06-11 15:53 | 2025-06-13 14:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 provided. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. See the attached updated 1008 – Ratios are xxx/xxx - Seller-06/11/2025 <br> Open-DTI difference of 22.38% vs. the approved 28.397% is due to the 1008 reflecting the 1st lien full PITIA payment with the insurance and taxes counted again. 1008 shows the full amount of $xxx (PITIA) + taxes, insurance and HOA separately vs. $xxx (P&I) + taxes, HOI, HOA separately.<br> - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. See the attached updated 1008 – Ratios are xxx/xxx- Seller-06/11/2025 | Resolved-Updated 1008 provided. - Due Diligence Vendor-06/13/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.94% 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 - 20.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.73% 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 xxx 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 0.24<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 - 10.22 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 - 10.22 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11176264 | xxx | xxx D A | Closed | FCRE9163 | 2025-06-11 10:12 | 2025-06-13 14:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-Account xxx - xxx is not in the borrower's name (Credit card statement provided.) - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Open-Loan file does not contain documentation to support the exclusion of Revolving account xxx - xxx. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025<br>| Resolved-Account xxx - xxx is not in the borrower's name (Credit card statement provided.) - Due Diligence Vendor-06/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.69 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 - 11.08 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.42 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 38.08% 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 - 11.16 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 11766032 | xxx | xxx C A | Closed | finding-47 | 2025-06-10 18:04 | 2025-06-12 14:32 | 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-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxx.Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/12/2025<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.37 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 - 9.92 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.46% 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 xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12895988 | xxx | xxx D A | Closed | FCRE1316 | 2025-06-11 18:06 | 2025-06-16 12:29 | 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-06/16/2025 <br> Ready for Review-Document Uploaded. VOE - Seller-06/13/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide the Prior to Close Verbal Verification of Employment from xxx. - Due Diligence Vendor-06/11/2025 | Ready for Review-Document Uploaded. VOE - Seller-06/13/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 15.50 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 - 15.42 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.74 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 23.85% 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 |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 12895988 | xxx | xxx D A | Closed | FCRE1437 | 2025-06-11 18:06 | 2025-06-16 12:29 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-06/16/2025 <br> Open-Income and Employment Do Not Meet Guidelines The provided paystub from xxx dated xxx exceeds 60 days. - Due Diligence Vendor-06/11/2025 |  | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-06/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 15.50 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 - 15.42 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.74 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 23.85% 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 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15376607 | xxx | xxx D A C | Closed | FCRE5782 | 2025-06-09 16:31 | 2025-06-16 12:30 | 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-06/16/2025 <br>Ready for Review-Document Uploaded. - Seller-06/13/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/16/2025<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 - 24.70 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 - 24.71 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 36.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.16 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 xxx 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 43.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 15376607 | xxx | xxx D A C | Closed | finding-47 | 2025-06-10 10:27 | 2025-06-15 18:14 | 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-06/15/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025<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 - 24.70 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 - 24.71 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 36.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.16 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 xxx 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 43.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 10047471 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10721827 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 15902939 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16891980 | xxx | xxx C A | Closed | FCRE1159 | 2025-06-12 09:55 | 2025-06-15 13:55 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/15/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx . Previous policy is still in effect, however, subject lender not listed as ISAOA until xxx. - Due Diligence Vendor-06/12/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/15/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More. Calculated DTI Of 37.42% 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 - 14.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.62 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 - 20.00 Years. 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 54.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 54.67 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 - 8.75 Years.<br> Borrower At Current Residence For Five (5) Or More Years - 8.75 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 17168378 | xxx | xxx D A | Closed | FCRE1316 | 2025-06-12 11:15 | 2025-06-16 15:09 | 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-06/16/2025 <br> Ready for Review-My apologies. Was reviewing a couple of findings at the same time. Please see attached. The VVOE was processed on xxx. - Buyer-06/15/2025 <br> Counter-The Exception is stating Missing VVOE Prior to Close Missing, guidelines require to be verified within 10-days of the Note date. - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. Rebut-please see attached excerpt from the xxx guidelines. Gap report must be within 15 days of the note date, which it is. Note is dated xxx. - Buyer-06/15/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing, guidelines require to be verified within 10-days of the Note date. - Due Diligence Vendor-06/12/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/16/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.93% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More. Original CLTV Of 68.93% 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 - 26.00 Years. Borrower At Current Residence For Five (5) Or More Years - 26.00 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 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<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 - 12.86 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.86 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 - 12.86 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.86 Years |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18528943 | xxx | xxx C A | Closed | finding-3652 | 2025-06-11 16:25 | 2025-06-15 18:05 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. - Seller-06/13/2025 <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 ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*The lender credit in Section J decreased in the CD issued xxx and remained that that amount through the final CD. Lender credits cannot decrease without a valid COC reason. The original file does not contain a valid COC in relation to the decrease. - Due Diligence Vendor-06/12/2025 | Ready for Review-Document Uploaded. - Seller-06/13/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025<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 - 20.17 Years<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 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 - 20.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 14726414 | xxx | xxx C A | Closed | finding-47 | 2025-06-11 13:31 | 2025-06-17 09:05 | 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-06/17/2025 <br> Ready for Review-Document Uploaded. see attached PCCD - Buyer-06/16/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx 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-06/12/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/17/2025<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 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 - 6.02 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.02 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 21.59 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 43.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 43.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14907778 | xxx | xxx D A C | Closed | FCOM5454 | 2025-06-12 15:02 | 2025-06-17 07:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note is missing or unexecuted | Resolved-PPP "Addendum" to the Note provided - Due Diligence Vendor-06/17/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-06/16/2025 <br>Counter-Missing the PPP "Addendum" to the Note. - Due Diligence Vendor-06/15/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-06/13/2025 <br>Open-Prepayment Addendum to Note missing. Used terms from Prepayment Rider for input. - Due Diligence Vendor-06/12/2025 |  | Resolved-PPP "Addendum" to the Note provided - Due Diligence Vendor-06/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 31.44 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points. Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 14907778 | xxx | xxx D A C | Closed | FCRE1159 | 2025-06-12 15:22 | 2025-06-15 13:52 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxis prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-06/15/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-06/12/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 31.44 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points. Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 11624503 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18607514 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13379534 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19826982 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13309631 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18029396 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17667786 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10517808 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17297664 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16878715 | xxx | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 11033534 | xxx | xxx | xxx A NA |
| 15810127 | xxx | xxx | xxx A C D B |
| 12756133 | xxx | xxx | xxx D A |
| 15106488 | xxx | xxx | xxx A C D B |
| 16779489 | xxx | xxx | xxx A C D |
| 15144075 | xxx | xxx | xxx A C |
| 18112751 | xxx | xxx | xxx A D |
| 16898352 | xxx | xxx | xxx C A |
| 17630328 | xxx | xxx | xxx D A NA |
| 15100964 | xxx | xxx | xxx D A |
| 11841028 | xxx | xxx | xxx A |
| 16596346 | xxx | xxx | xxx D A |
| 13275728 | xxx | xxx | xxx A C |
| 19931313 | xxx | xxx | xxx D A |
| 11611769 | xxx | xxx | xxx D A |
| 18507930 | xxx | xxx | xxx D A |
| 12599442 | xxx | xxx | xxx D A |
| 19354948 | xxx | xxx | xxx D A |
| 17457029 | xxx | xxx | xxx A C NA D B |
| 18114177 | xxx | xxx | xxx A D |
| 12199125 | xxx | xxx | xxx A |
| 17889591 | xxx | xxx | xxx A NA |
| 13256404 | xxx | xxx | xxx D A |
| 16686281 | xxx | xxx | xxx A |
| 18332962 | xxx | xxx | xxx A |
| 18770698 | xxx | xxx | xxx B A |
| 11224596 | xxx | xxx | xxx D C A |
| 18274429 | xxx | xxx | xxx A C |
| 17468613 | xxx | xxx | xxx A |
| 16582318 | xxx | xxx | xxx D A |
| 13560153 | xxx | xxx | xxx A NA |
| 10009073 | xxx | xxx | xxx A |
| 14540371 | xxx | xxx | xxx C A |
| 16146977 | xxx | xxx | xxx A C |
| 11894605 | xxx | xxx | xxx D A NA B |
| 15413860 | xxx | xxx | xxx A C |
| 10800514 | xxx | xxx | xxx D A C B |
| 16919523 | xxx | xxx | xxx A |
| 18611771 | xxx | xxx | xxx A |
| 14220866 | xxx | xxx | xxx A |
| 16823754 | xxx | xxx | xxx A |
| 13181072 | xxx | xxx | xxx A |
| 14670864 | xxx | xxx | xxx A D |
| 15080012 | xxx | xxx | xxx A |
| 12484496 | xxx | xxx | xxx A C NA D B |
| 13017772 | xxx | xxx | xxx C A D |
| 19418350 | xxx | xxx | xxx A NA D B |
| 15510979 | xxx | xxx | xxx C A |
| 11249929 | xxx | xxx | xxx D A |
| 12732749 | xxx | xxx | xxx D A NA |
| 14299112 | xxx | xxx | xxx D A NA B |
| 11687486 | xxx | xxx | xxx D B NA |
| 15795471 | xxx | xxx | xxx A |
| 18818683 | xxx | xxx | xxx A NA |
| 11645136 | xxx | xxx | xxx D A |
| 11702900 | xxx | xxx | xxx D A |
| 13517996 | xxx | xxx | xxx D C A B |
| 13078836 | xxx | xxx | xxx A |
| 19082908 | xxx | xxx | xxx A C NA D |
| 18724672 | xxx | xxx | xxx D NA B |
| 17588157 | xxx | xxx | xxx A D |
| 19470434 | xxx | xxx | xxx A NA |
| 19456563 | xxx | xxx | xxx A NA |
| 13561817 | xxx | xxx | xxx B C NA |
| 11990492 | xxx | xxx | xxx A D |
| 14226155 | xxx | xxx | xxx A C |
| 16536009 | xxx | xxx | xxx A C B |
| 18771197 | xxx | xxx | xxx A |
| 14687491 | xxx | xxx | xxx D C A |
| 13787750 | xxx | xxx | xxx A NA D B |
| 12448705 | xxx | xxx | xxx A NA |
| 16572306 | xxx | xxx | xxx A NA |
| 17857054 | xxx | xxx | xxx A NA D B |
| 19291640 | xxx | xxx | xxx D A |
| 14727082 | xxx | xxx | xxx A NA D |
| 13827497 | xxx | xxx | xxx A C |
| 11429613 | xxx | xxx | xxx A |
| 16262012 | xxx | xxx | xxx A |
| 15439394 | xxx | xxx | xxx A D |
| 14524104 | xxx | xxx | xxx A |
| 17354295 | xxx | xxx | xxx A |
| 19904599 | xxx | xxx | xxx A |
| 12949342 | xxx | xxx | xxx D A |
| 11137889 | xxx | xxx | xxx D A |
| 16106039 | xxx | xxx | xxx D A NA |
| 15656488 | xxx | xxx | xxx A NA D B |
| 11085715 | xxx | xxx | xxx A NA D B |
| 11795637 | xxx | xxx | xxx A |
| 18812824 | xxx | xxx | xxx C A |
| 16138433 | xxx | xxx | xxx D A |
| 19183225 | xxx | xxx | xxx A |
| 11571787 | xxx | xxx | xxx A |
| 18075600 | xxx | xxx | xxx A |
| 14001554 | xxx | xxx | xxx D A |
| 12618340 | xxx | xxx | xxx D A |
| 15101890 | xxx | xxx | xxx A D B |
| 16470350 | xxx | xxx | xxx A |
| 13707828 | xxx | xxx | xxx A |
| 13388067 | xxx | xxx | xxx A |
| 10968362 | xxx | xxx | xxx A |
| 14891739 | xxx | xxx | xxx C A |
| 10051628 | xxx | xxx | xxx A |
| 19044507 | xxx | xxx | xxx A NA |
| 10137932 | xxx | xxx | xxx D A NA |
| 19275161 | xxx | xxx | xxx A NA D B |
| 19106400 | xxx | xxx | xxx A C NA D B |
| 18646272 | xxx | xxx | xxx A NA D B |
| 12077235 | xxx | xxx | xxx D A |
| 19835747 | xxx | xxx | xxx A |
| 19682940 | xxx | xxx | xxx A NA D B |
| 11584218 | xxx | xxx | xxx A NA |
| 15690228 | xxx | xxx | xxx A C NA |
| 14916597 | xxx | xxx | xxx A D B |
| 16515923 | xxx | xxx | xxx A |
| 13197997 | xxx | xxx | xxx A NA |
| 16317910 | xxx | xxx | xxx C A |
| 10400959 | xxx | xxx | xxx A |
| 16356274 | xxx | xxx | xxx A NA D B |
| 17081698 | xxx | xxx | xxx A |
| 12903079 | xxx | xxx | xxx D A |
| 15606452 | xxx | xxx | xxx A NA |
| 15283377 | xxx | xxx | xxx A |
| 13659585 | xxx | xxx | xxx A C |
| 15811570 | xxx | xxx | xxx A |
| 18479794 | xxx | xxx | xxx A |
| 12688669 | xxx | xxx | xxx A NA |
| 19159896 | xxx | xxx | xxx A NA |
| 18686653 | xxx | xxx | xxx A NA |
| 16885191 | xxx | xxx | xxx C A |
| 12390582 | xxx | xxx | xxx A C D |
| 19067194 | xxx | xxx | xxx D A NA |
| 13612321 | xxx | xxx | xxx A |
| 10915462 | xxx | xxx | xxx A NA |
| 16168824 | xxx | xxx | xxx A NA |
| 15319711 | xxx | xxx | xxx D A |
| 12541219 | xxx | xxx | xxx A |
| 15232110 | xxx | xxx | xxx A |
| 16711312 | xxx | xxx | xxx A NA |
| 12350720 | xxx | xxx | xxx A |
| 11734191 | xxx | xxx | xxx A |
| 19861386 | xxx | xxx | xxx A |
| 11151228 | xxx | xxx | xxx A |
| 17320795 | xxx | xxx | xxx A NA |
| 16987725 | xxx | xxx | xxx A C |
| 11607023 | xxx | xxx | xxx A NA |
| 13409524 | xxx | xxx | xxx A D B |
| 12837155 | xxx | xxx | xxx A |
| 10821042 | xxx | xxx | xxx D A |
| 17830799 | xxx | xxx | xxx D A |
| 19806250 | xxx | xxx | xxx A |
| 10321131 | xxx | xxx | xxx A |
| 10822364 | xxx | xxx | xxx A |
| 19083970 | xxx | xxx | xxx C A NA |
| 17179864 | xxx | xxx | xxx A C |
| 19676060 | xxx | xxx | xxx A |
| 14173634 | xxx | xxx | xxx A D B |
| 14897520 | xxx | xxx | xxx A |
| 12332126 | xxx | xxx | xxx A NA |
| 19806461 | xxx | xxx | xxx D A NA |
| 15744560 | xxx | xxx | xxx A |
| 17944462 | xxx | xxx | xxx A |
| 14199920 | xxx | xxx | xxx A NA |
| 18508838 | xxx | xxx | xxx D NA |
| 16467041 | xxx | xxx | xxx C A NA |
| 16628381 | xxx | xxx | xxx D A NA |
| 13096270 | xxx | xxx | xxx A NA |
| 18150128 | xxx | xxx | xxx A NA D |
| 11330523 | xxx | xxx | xxx A D NA |
| 14543210 | xxx | xxx | xxx A C B |
| 12187840 | xxx | xxx | xxx A NA |
| 13864733 | xxx | xxx | xxx A |
| 12623597 | xxx | xxx | xxx C A NA |
| 12594209 | xxx | xxx | xxx A NA |
| 18791821 | xxx | xxx | xxx A C |
| 19322378 | xxx | xxx | xxx A |
| 12082533 | xxx | xxx | xxx A D C |
| 17242534 | xxx | xxx | xxx A NA |
| 16971462 | xxx | xxx | xxx A D B |
| 19983858 | xxx | xxx | xxx A NA |
| 13298825 | xxx | xxx | xxx D A NA |
| 12350234 | xxx | xxx | xxx A |
| 10261261 | xxx | xxx | xxx A C NA |
| 10342337 | xxx | xxx | xxx D A B |
| 17701377 | xxx | xxx | xxx D A NA B |
| 16987571 | xxx | xxx | xxx B A |
| 18948113 | xxx | xxx | xxx A |
| 18979575 | xxx | xxx | xxx A NA |
| 12190440 | xxx | xxx | xxx A NA D B |
| 18353500 | xxx | xxx | xxx A D |
| 10159689 | xxx | xxx | xxx D A |
| 19541631 | xxx | xxx | xxx A |
| 10159657 | xxx | xxx | xxx A C D B |
| 10158744 | xxx | xxx | xxx A |
| 10169566 | xxx | xxx | xxx A |
| 15889027 | xxx | xxx | xxx A |
| 10955196 | xxx | xxx | xxx D A |
| 12395857 | xxx | xxx | xxx D A B |
| 14196390 | xxx | xxx | xxx A NA |
| 19845135 | xxx | xxx | xxx C A NA D |
| 11795061 | xxx | xxx | xxx D C NA B |
| 16264293 | xxx | xxx | xxx A NA |
| 16547397 | xxx | xxx | xxx A |
| 14738390 | xxx | xxx | xxx D A C |
| 17390567 | xxx | xxx | xxx A |
| 16452400 | xxx | xxx | xxx D C A |
| 12022263 | xxx | xxx | xxx D A NA |
| 17753795 | xxx | xxx | xxx D C A |
| 12955456 | xxx | xxx | xxx A NA |
| 14087712 | xxx | xxx | xxx A |
| 11090039 | xxx | xxx | xxx A |
| 14039887 | xxx | xxx | xxx A |
| 19024790 | xxx | xxx | xxx A C |
| 14789543 | xxx | xxx | xxx A |
| 14075474 | xxx | xxx | xxx A B |
| 14745848 | xxx | xxx | xxx A D |
| 17589659 | xxx | xxx | xxx A |
| 12411278 | xxx | xxx | xxx A NA |
| 16387913 | xxx | xxx | xxx A D B |
| 12300213 | xxx | xxx | xxx C A NA |
| 16707346 | xxx | xxx | xxx D A NA |
| 10675213 | xxx | xxx | xxx A |
| 19559235 | xxx | xxx | xxx A |
| 11292849 | xxx | xxx | xxx A NA |
| 14836438 | xxx | xxx | xxx D A B |
| 18742671 | xxx | xxx | xxx A D B |
| 15909401 | xxx | xxx | xxx A |
| 16903878 | xxx | xxx | xxx A NA |
| 14945383 | xxx | xxx | xxx A |
| 14134535 | xxx | xxx | xxx A |
| 12156809 | xxx | xxx | xxx C A |
| 12098752 | xxx | xxx | xxx A C B |
| 12544974 | xxx | xxx | xxx A D |
| 12409278 | xxx | xxx | xxx C A D B |
| 10298661 | xxx | xxx | xxx A |
| 19564310 | xxx | xxx | xxx A NA |
| 10466240 | xxx | xxx | xxx C A |
| 15008487 | xxx | xxx | xxx A |
| 12088148 | xxx | xxx | xxx A |
| 18525382 | xxx | xxx | xxx A NA |
| 17248474 | xxx | xxx | xxx A NA |
| 14141124 | xxx | xxx | xxx A |
| 19259837 | xxx | xxx | xxx A NA D B |
| 18207055 | xxx | xxx | xxx A NA D B |
| 10507952 | xxx | xxx | xxx A NA |
| 12840968 | xxx | xxx | xxx D A NA |
| 12285422 | xxx | xxx | xxx A |
| 18005728 | xxx | xxx | xxx A |
| 19635823 | xxx | xxx | xxx A |
| 16019766 | xxx | xxx | xxx C A NA |
| 11414043 | xxx | xxx | xxx A |
| 16328395 | xxx | xxx | xxx D A |
| 16932615 | xxx | xxx | xxx A |
| 13095280 | xxx | xxx | xxx A |
| 18583947 | xxx | xxx | xxx A |
| 10943973 | xxx | xxx | xxx C A NA |
| 15839168 | xxx | xxx | xxx A |
| 17997247 | xxx | xxx | xxx A D B |
| 12491788 | xxx | xxx | xxx C A |
| 15914354 | xxx | xxx | xxx A |
| 19491353 | xxx | xxx | xxx A NA D B |
| 18922151 | xxx | xxx | xxx A |
| 17759985 | xxx | xxx | xxx A |
| 11944198 | xxx | xxx | xxx A |
| 10632769 | xxx | xxx | xxx A NA |
| 15147454 | xxx | xxx | xxx A NA |
| 14683866 | xxx | xxx | xxx A NA |
| 16705921 | xxx | xxx | xxx A D NA |
| 14792416 | xxx | xxx | xxx B A NA |
| 12890795 | xxx | xxx | xxx C A NA |
| 18806247 | xxx | xxx | xxx A |
| 11089492 | xxx | xxx | xxx D A |
| 14332871 | xxx | xxx | xxx A C |
| 18575625 | xxx | xxx | xxx A NA |
| 13331332 | xxx | xxx | xxx A |
| 10193556 | xxx | xxx | xxx A NA |
| 15833391 | xxx | xxx | xxx A D |
| 17629644 | xxx | xxx | xxx A NA |
| 10664315 | xxx | xxx | xxx A |
| 11990175 | xxx | xxx | xxx A |
| 13276991 | xxx | xxx | xxx A C |
| 14697562 | xxx | xxx | xxx A D |
| 11229125 | xxx | xxx | xxx A NA D B |
| 10745069 | xxx | xxx | xxx A NA D B |
| 19162513 | xxx | xxx | xxx A NA D B |
| 16626676 | xxx | xxx | xxx A C NA B |
| 16869660 | xxx | xxx | xxx A |
| 11476794 | xxx | xxx | xxx D A NA |
| 15793756 | xxx | xxx | xxx A C NA |
| 12973465 | xxx | xxx | xxx A NA |
| 19241439 | xxx | xxx | xxx C A |
| 18867477 | xxx | xxx | xxx D A NA |
| 11865938 | xxx | xxx | xxx A C B |
| 12869862 | xxx | xxx | xxx C A NA |
| 13052227 | xxx | xxx | xxx D A |
| 13927219 | xxx | xxx | xxx D A |
| 12060669 | xxx | xxx | xxx A |
| 15264340 | xxx | xxx | xxx D A NA |
| 17050497 | xxx | xxx | xxx C A NA B |
| 11072523 | xxx | xxx | xxx A NA D B |
| 12624888 | xxx | xxx | xxx A NA D B |
| 16667083 | xxx | xxx | xxx D A NA |
| 11689920 | xxx | xxx | xxx A NA D B |
| 14462932 | xxx | xxx | xxx A C B |
| 12346311 | xxx | xxx | xxx A C |
| 14892745 | xxx | xxx | xxx A C NA |
| 18066673 | xxx | xxx | xxx D A |
| 10421342 | xxx | xxx | xxx A NA |
| 12633099 | xxx | xxx | xxx A |
| 17569983 | xxx | xxx | xxx A |
| 15305356 | xxx | xxx | xxx C A |
| 10192847 | xxx | xxx | xxx A |
| 19924825 | xxx | xxx | xxx A |
| 17153206 | xxx | xxx | xxx A |
| 18332290 | xxx | xxx | xxx A |
| 16500194 | xxx | xxx | xxx A |
| 18431761 | xxx | xxx | xxx A NA |
| 14846143 | xxx | xxx | xxx D A NA |
| 13462864 | xxx | xxx | xxx A |
| 16459947 | xxx | xxx | xxx A NA |
| 12671200 | xxx | xxx | xxx D A |
| 16967855 | xxx | xxx | xxx A |
| 10808683 | xxx | xxx | xxx A |
| 19068711 | xxx | xxx | xxx A |
| 13662566 | xxx | xxx | xxx D A |
| 11097496 | xxx | xxx | xxx A |
| 16272027 | xxx | xxx | xxx A C NA |
| 14706945 | xxx | xxx | xxx A NA |
| 11702525 | xxx | xxx | xxx A NA |
| 16405521 | xxx | xxx | xxx D A |
| 12277172 | xxx | xxx | xxx A NA |
| 14826396 | xxx | xxx | xxx A C B |
| 10969584 | xxx | xxx | xxx D A NA |
| 15180811 | xxx | xxx | xxx A D NA |
| 12474064 | xxx | xxx | xxx A |
| 14418497 | xxx | xxx | xxx A |
| 19839080 | xxx | xxx | xxx C A |
| 15990909 | xxx | xxx | xxx A |
| 13240450 | xxx | xxx | xxx A NA |
| 18444877 | xxx | xxx | xxx A |
| 18074278 | xxx | xxx | xxx A |
| 11721443 | xxx | xxx | xxx A |
| 15450701 | xxx | xxx | xxx A |
| 19819330 | xxx | xxx | xxx A |
| 12895245 | xxx | xxx | xxx A |
| 11804259 | xxx | xxx | xxx A |
| 15509947 | xxx | xxx | xxx A NA |
| 18900419 | xxx | xxx | xxx A C NA B |
| 19262160 | xxx | xxx | xxx A |
| 14814486 | xxx | xxx | xxx A |
| 18689167 | xxx | xxx | xxx D NA |
| 17610430 | xxx | xxx | xxx D A |
| 15625488 | xxx | xxx | xxx C A |
| 19667486 | xxx | xxx | xxx A |
| 11265402 | xxx | xxx | xxx A |
| 16406870 | xxx | xxx | xxx A |
| 16451278 | xxx | xxx | xxx D A NA |
| 18458155 | xxx | xxx | xxx A NA |
| 12372000 | xxx | xxx | xxx A NA |
| 13772309 | xxx | xxx | xxx A C NA |
| 12753823 | xxx | xxx | xxx D A |
| 18325699 | xxx | xxx | xxx C A |
| 11084147 | xxx | xxx | xxx A NA |
| 12151852 | xxx | xxx | xxx A |
| 13416588 | xxx | xxx | xxx A |
| 11931810 | xxx | xxx | xxx D A NA |
| 10570453 | xxx | xxx | xxx A |
| 12107383 | xxx | xxx | xxx A |
| 17447567 | xxx | xxx | xxx C A NA |
| 12992964 | xxx | xxx | xxx D A |
| 14231780 | xxx | xxx | xxx A |
| 12419178 | xxx | xxx | xxx A |
| 14402048 | xxx | xxx | xxx A |
| 14257600 | xxx | xxx | xxx D A |
| 14295258 | xxx | xxx | xxx A NA |
| 14263432 | xxx | xxx | xxx D A C |
| 12291952 | xxx | xxx | xxx A D NA |
| 16790329 | xxx | xxx | xxx D A |
| 10817947 | xxx | xxx | xxx A |
| 14064371 | xxx | xxx | xxx A |
| 12166712 | xxx | xxx | xxx A |
| 19658582 | xxx | xxx | xxx D A |
| 10600194 | xxx | xxx | xxx A NA |
| 19429798 | xxx | xxx | xxx A C |
| 17292800 | xxx | xxx | xxx A NA |
| 12588598 | xxx | xxx | xxx C A |
| 14864507 | xxx | xxx | xxx A B NA |
| 12496367 | xxx | xxx | xxx A |
| 10038813 | xxx | xxx | xxx D A |
| 19325836 | xxx | xxx | xxx D A NA |
| 17450713 | xxx | xxx | xxx A |
| 18432133 | xxx | xxx | xxx D A |
| 15882414 | xxx | xxx | xxx C A NA |
| 18779709 | xxx | xxx | xxx A |
| 14594630 | xxx | xxx | xxx D A |
| 14054695 | xxx | xxx | xxx A |
| 14757499 | xxx | xxx | xxx A |
| 19614260 | xxx | xxx | xxx A NA |
| 19566122 | xxx | xxx | xxx A |
| 18741069 | xxx | xxx | xxx A NA |
| 17900945 | xxx | xxx | xxx C A NA |
| 15217945 | xxx | xxx | xxx B A |
| 19988729 | xxx | xxx | xxx C A |
| 11013305 | xxx | xxx | xxx B A NA |
| 14998093 | xxx | xxx | xxx A NA |
| 11513846 | xxx | xxx | xxx D A NA |
| 16445320 | xxx | xxx | xxx D A NA |
| 10259748 | xxx | xxx | xxx C A |
| 19877637 | xxx | xxx | xxx A |
| 19744647 | xxx | xxx | xxx A D |
| 16147339 | xxx | xxx | xxx D A |
| 19692026 | xxx | xxx | xxx D A NA |
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| 17297664 | xxx | xxx | xxx A NA |
| 16878715 | xxx | xxx | xxx A NA |

---

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 11033534 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.06 | 64.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15810127 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 9.56 | 45.06 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.8 | xxx |
| 12756133 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 25.64 | 64.02 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 15106488 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.87 | 72.07 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 16779489 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 35.15 | 79.93 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 15144075 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 8.9 | 84.87 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.6 | xxx |
| 18112751 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.86 | 64.1 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | 1.9 | xxx |
| 16898352 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.72 | 69.83 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | xxx |
| 17630328 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.91 | 59.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15100964 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 11.69 | 69.18 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11841028 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.03 | 79.8 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 16596346 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.21 | 73.07 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.2 | xxx |
| 13275728 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 16.79 | 69.91 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19931313 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 34.66 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |
| 11611769 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 33.7 | 70 | xxx | xxx | -.0897 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0897 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18507930 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 27.12 | 69.92 | xxx | 0 | .0000 | Desk Review | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 0 | xxx |
| 12599442 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 28.21 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19354948 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.3 | 79.68 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | xxx | .0087 | 93 | 0.07 | VeroValue | VeroValue AVM | xxx | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17457029 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 17.7 | 58.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18114177 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.05 | 35.25 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 12199125 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.94 | 59.28 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.3 | xxx |
| 17889591 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 8.77 | 56.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13256404 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 16.08 | 69.71 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16686281 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 25.86 | 69.64 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |
| 18332962 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.22 | 71.14 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 18770698 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 20.72 | 79.69 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 11224596 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.88 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 18274429 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.69 | 73.61 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible |  |  |
| 17468613 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.24 | 68.11 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.3 | xxx |
| 16582318 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.35 | 29.39 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 13560153 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 34.38 | 71.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10009073 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 14.29 | 69.72 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14540371 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.46 | 63.57 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 16146977 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 23.53 | 76.03 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11894605 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.17 | 73.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15413860 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 9.62 | 62.78 | xxx | 0 | .0000 | Desk Review | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 10800514 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.88 | 70.79 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16919523 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.32 | 58.74 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.1 | xxx |
| 18611771 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.02 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 14220866 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.87 | 76.48 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 16823754 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27 | 90 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 13181072 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.31 | 57.81 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 14670864 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 8.55 | 67.19 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 15080012 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.5 | 83.72 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible |  |  |
| 12484496 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.53 | 70.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13017772 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 28.2 | 79.06 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 19418350 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 30.47 | 61.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15510979 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.24 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 11249929 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 36.15 | 48.79 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12732749 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 21.88 | 56.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14299112 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 30.48 | 79.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11687486 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 49.7 | 89.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15795471 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24 | 59.71 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18818683 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 27.86 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11645136 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.72 | 77.64 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1 | xxx |
| 11702900 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.32 | 79.59 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13517996 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 8.7 | 71.13 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 13078836 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 35 | 64.94 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19082908 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 19.71 | 51.5 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18724672 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 8.47 | 79.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17588157 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.4 | 67.05 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19470434 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25.86 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19456563 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 4.89 | 27.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13561817 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 9.7 | 34.38 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11990492 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.45 | 65.32 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14226155 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.19 | 68.69 | xxx | xxx | -.0559 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0559 | 92 | 0.08 | VeroValue | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 16536009 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.52 | 73.92 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 18771197 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.5 | 69.89 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 14687491 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.71 | 79.89 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 13787750 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 19.05 | 73.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12448705 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.13 | 37.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16572306 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.5 | 64.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17857054 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.83 | 47.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19291640 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 39.18 | 79.91 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1.3 | xxx |
| 14727082 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.29 | 73.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13827497 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.02 | 57.85 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 11429613 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26.51 | 40.34 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16262012 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.26 | 69.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx | Eligible | 1 | xxx |
| 15439394 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.81 | 74.88 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2 | xxx |
| 14524104 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 20.8 | 74.75 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 17354295 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.62 | 79.75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 19904599 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.75 | 66.25 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12949342 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 20.92 | 68.6 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11137889 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.64 | 71.86 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16106039 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.2 | 71.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15656488 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.5 | 68.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11085715 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.31 | 84.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11795637 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.52 | 69.98 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18812824 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.02 | 72.28 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16138433 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.9 | 72.85 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 19183225 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.62 | 65.25 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 11571787 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.15 | 61.17 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.7 | xxx |
| 18075600 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.52 | 58.04 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 14001554 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.74 | 76.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.8 | xxx |
| 12618340 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.52 | 69.27 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 15101890 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.61 | 85 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0494 | 93 | 0.07 | VeroValue | VeroValue AVM | xxx | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0494 |  | xxx | AVM |  |  |  | 1 | xxx |
| 16470350 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 25.71 | 77.71 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 13707828 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.87 | 65.09 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1.4 | xxx |
| 13388067 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.52 | 78.51 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 10968362 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.15 | 60.54 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 14891739 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 22.49 | 87.06 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.3 | xxx |
| 10051628 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26.57 | 76.95 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.7 | xxx |
| 19044507 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.08 | 79.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10137932 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.13 | 51.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19275161 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 6.32 | 27.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19106400 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12 | 37.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18646272 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 27.03 | 74.04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12077235 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.16 | 69.78 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19835747 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.72 | 53.24 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19682940 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.2 | 75.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11584218 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 23.32 | 79.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15690228 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.08 | 79.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14916597 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.45 | 58.23 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 16515923 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 39.4 | 69.75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13197997 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 30.77 | 65.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16317910 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.69 | 74.83 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.5 | xxx |
| 10400959 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.35 | 71.01 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 16356274 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 36.1 | 72.62 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17081698 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.4 | 64.36 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12903079 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 63.2 | 89.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.1 | xxx |
| 15606452 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.52 | 69.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15283377 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 43.01 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | Eligible | 2.3 | xxx |
| 13659585 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.71 | 68.14 | xxx | xxx | -.0882 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0882 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15811570 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.94 | 79.78 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.4 | xxx |
| 18479794 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.9 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.4 | xxx |
| 12688669 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.29 | 79.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19159896 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.5 | 71.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18686653 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 15.06 | 74.73 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16885191 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.45 | 79.6 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12390582 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.43 | 74.87 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19067194 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20 | 55.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13612321 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 10.23 | 63.55 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10915462 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 27.5 | 49.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16168824 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 36.67 | 63.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15319711 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 27.74 | 64.83 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12541219 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25.29 | 79.76 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15232110 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.81 | 71.67 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.2 | xxx |
| 16711312 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.8 | 42.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12350720 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.71 | 73.36 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 11734191 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.54 | 79.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 19861386 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.08 | 74.82 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11151228 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 42.64 | 59.89 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 17320795 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.65 | 48.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16987725 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.45 | 74.88 | xxx | 0 | .0000 | Desk Review | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 3.1 | xxx |
| 11607023 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 28 | 71.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13409524 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 12.01 | 65 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12837155 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.56 | 62.24 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 10821042 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.6 | 52.47 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 17830799 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.18 | 69.96 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 19806250 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.81 | 43.36 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.8 | xxx |
| 10321131 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.41 | 77.83 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 10822364 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.71 | 47.35 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 19083970 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.47 | 67.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17179864 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 8.99 | 25.6 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 19676060 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.23 | 60.7 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 14173634 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 12.77 | 36.48 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 14897520 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 15.08 | 60.19 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 12332126 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 41.07 | 64.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19806461 | xxx | xxx | xxx | xxx | xxx | 0 | 0 | 0 | 1004 URAR | xxx | 17.21 | 89.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15744560 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 32.26 | 79.8 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 17944462 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.07 | 77.46 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | xxx | Not Eligible | 1.6 | xxx |
| 14199920 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 16.67 | 68.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18508838 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.11 | 68.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16467041 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 42.02 | 84.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16628381 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.23 | 74.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13096270 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 33.71 | 79.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18150128 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 9.96 | 65.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11330523 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.67 | 79.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14543210 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 16.7 | 72.09 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.2 | xxx |
| 12187840 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.22 | 76.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13864733 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 27.43 | 72.29 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12623597 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.53 | 56.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12594209 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 33.26 | 72.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18791821 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 23.33 | 58.61 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 19322378 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26.32 | 75.3 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 12082533 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 46.34 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | 93 | 0.07 | VeroValue | VeroValue AVM | xxx | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 17242534 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 42.11 | 72.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16971462 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1025 Small Residential Income Report | xxx | 27.85 | 69.91 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19983858 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 30.54 | 74.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13298825 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25.94 | 79.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12350234 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 20.67 | 69.99 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10261261 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.18 | 74.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10342337 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 13.38 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17701377 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 21.45 | 88.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16987571 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 8.33 | 40.28 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18948113 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.02 | 84.81 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18979575 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 34.09 | 73.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12190440 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 14.45 | 86.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18353500 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 42.25 | 52.12 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 10159689 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.96 | 62.16 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.2 | xxx |
| 19541631 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 12.82 | 69.53 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 10159657 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.04 | 84.86 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 10158744 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 21.4 | 56.01 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 2.3 | xxx |
| 10169566 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.74 | 84.26 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 15889027 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.85 | 78.67 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 10955196 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 18.04 | 67.62 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible |  |  |
| 12395857 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.6 | 62.7 | xxx | xxx | -.0279 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0279 | 92 | 0.08 | VeroValue | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 14196390 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 30 | 69.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19845135 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.63 | 52.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11795061 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 32.79 | 79.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16264293 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.85 | 78.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16547397 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 16.67 | 81.72 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 14738390 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 40.91 | 66.11 | xxx | xxx | -.0864 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0500 | 92 | 0.08 | VeroValue | VeroValue AVM | xxx | xxx | xxx | -.0864 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17390567 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 33.08 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | xxx |
| 16452400 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.93 | 74.7 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12022263 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.06 | 51.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17753795 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.48 | 62.32 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 12955456 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 14.77 | 44.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14087712 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 11.23 | 79.85 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1.8 | xxx |
| 11090039 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.95 | 55.35 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14039887 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.12 | 53.58 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 19024790 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 45.57 | 89.75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.3 | xxx |
| 14789543 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 8.51 | 78.4 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 14075474 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 50.28 | 74.05 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 14745848 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.72 | 59.59 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.4 | xxx |
| 17589659 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 15.38 | 59.15 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12411278 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 24.49 | 44.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16387913 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.67 | 34.34 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12300213 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.51 | 64.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16707346 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 33.78 | 77.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10675213 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 12.36 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19559235 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 13.01 | 75 | xxx | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx | Clear Capital | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11292849 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 15.38 | 41.53 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14836438 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 15.44 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18742671 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1073 Individual Condo Report | xxx | 11.24 | 69.96 | xxx | xxx | .0629 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0629 | 94 | 0.06 | VeroValue | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 15909401 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 32.32 | 74.8 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 16903878 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.64 | 68.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14945383 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.59 | 89.23 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1.2 | xxx |
| 14134535 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.76 | 67.02 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 12156809 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 8.75 | 43.89 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 12098752 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 31.62 | 75.29 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12544974 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.51 | 64.64 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12409278 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.78 | 72.05 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.9 | xxx |
| 10298661 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 9.84 | 74.73 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 19564310 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 22.42 | 66.69 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 96 | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10466240 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.24 | 89.95 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 15008487 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.92 | 90 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12088148 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.57 | 82.55 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 2.1 | xxx |
| 18525382 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 23.44 | 38.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17248474 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.99 | 78.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14141124 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 31.84 | 74.92 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19259837 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 32.26 | 69.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18207055 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 30.38 | 63.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10507952 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.57 | 51.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12840968 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 5.22 | 79.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12285422 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.22 | 72.59 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 18005728 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.93 | 77.38 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 19635823 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.78 | 78.18 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 16019766 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.63 | 55.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11414043 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.84 | 84.67 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 16328395 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.43 | 78.51 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 16932615 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.8 | 44.44 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13095280 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.89 | 71.64 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 18583947 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.9 | 73.41 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10943973 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10 | 89.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15839168 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.52 | 66.64 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.4 | xxx |
| 17997247 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 8.34 | 43.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 12491788 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.1 | 84.4 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 2.2 | xxx |
| 15914354 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.31 | 84.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 19491353 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1025 Small Residential Income Report | xxx | 8.52 | 69.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18922151 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.67 | 48.29 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 17759985 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.3 | 57.32 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11944198 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 29 | 62.58 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10632769 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26.5 | 64.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15147454 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | AVM | xxx | 18.56 | 69.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 96 | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14683866 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 23.12 | 69.57 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 97 | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16705921 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 17.68 | 46.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14792416 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.01 | 86.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12890795 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 17.79 | 66.04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18806247 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.03 | 69.87 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.4 | xxx |
| 11089492 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.49 | 68.55 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 14332871 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 29.19 | 74.75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18575625 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.97 | 56.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13331332 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.99 | 68.23 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 10193556 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 23.84 | 79.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15833391 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.63 | 79.82 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 17629644 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1025 Small Residential Income Report | xxx | 17.56 | 54.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10664315 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.05 | 75.58 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | xxx | Not Eligible | 1.8 | xxx |
| 11990175 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 35.82 | 77.24 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 13276991 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 32.34 | 69.63 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 14697562 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 24 | 75.1 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11229125 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 10 | 69.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10745069 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 26.88 | 74.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19162513 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.88 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16626676 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 16.44 | 56.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16869660 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.29 | 82.01 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 11476794 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.15 | 84.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15793756 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 46.54 | 74.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12973465 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 12.3 | 58.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19241439 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25.11 | 79.86 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18867477 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.54 | 52.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11865938 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.42 | 64.33 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12869862 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 31.65 | 78.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13052227 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 2055 Exterior Only Inspection Report | xxx | 16.48 | 74.49 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13927219 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 2055 Exterior Only Inspection Report | xxx | 18.52 | 69.18 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12060669 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.49 | 69.97 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 15264340 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 27.17 | 75.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17050497 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.05 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11072523 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.75 | 57.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12624888 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 18.52 | 87.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16667083 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.1 | 59.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11689920 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 31.74 | 79.64 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14462932 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 20 | 69.01 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12346311 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.85 | 70 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 14892745 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.5 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18066673 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 9.44 | 64.96 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10421342 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.71 | 66.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12633099 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.94 | 73.82 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 17569983 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.17 | 63.04 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.9 | xxx |
| 15305356 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.16 | 79.8 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 10192847 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 31.11 | 79.88 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.3 | xxx |
| 19924825 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.78 | 74.87 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 17153206 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.74 | 61.09 | xxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 18332290 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.75 | 71.55 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 2.2 | xxx |
| 16500194 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.33 | 74.89 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 18431761 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.17 | 52.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14846143 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.82 | 68.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13462864 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 11.03 | 50.97 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16459947 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 10.25 | 32.32 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12671200 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.73 | 40.24 | xxx | xxx | .0392 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0392 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16967855 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 33.6 | 74.8 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.6 | xxx |
| 10808683 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 31.49 | 79.85 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 19068711 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.24 | 70.97 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 13662566 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 33.45 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11097496 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.69 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16272027 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 32.5 | 79.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14706945 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 22.56 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11702525 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.4 | 79.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16405521 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 20.81 | 85 | xxx | xxx | -.0269 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0269 | xxx | Resonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible |  |  |
| 12277172 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25.16 | 74.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14826396 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.67 | 78.59 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 10969584 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.05 | 64.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15180811 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 31.25 | 54.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12474064 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.09 | 68.36 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 14418497 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.94 | 74.82 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 19839080 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.79 | 79.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 15990909 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.36 | 71.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 13240450 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.65 | 55.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18444877 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.99 | 72.24 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 18074278 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25 | 57.19 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11721443 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.23 | 42.72 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 15450701 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 23.05 | 72.03 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19819330 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.96 | 54.47 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 2 | xxx |
| 12895245 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.87 | 66.03 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.7 | xxx |
| 11804259 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.56 | 65.19 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 2.2 | xxx |
| 15509947 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.93 | 69.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18900419 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 26.78 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19262160 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.62 | 74.99 | xxx | xxx | -.0952 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0952 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14814486 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.62 | 79.91 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 2.3 | xxx |
| 18689167 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 34.42 | 63.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17610430 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 49.22 | 74.4 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 15625488 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.34 | 74.81 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 2.2 | xxx |
| 19667486 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.97 | 76.56 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 11265402 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.5 | 78.46 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.2 | xxx |
| 16406870 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.43 | 69.88 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.8 | xxx |
| 16451278 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 17.86 | 89.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18458155 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.12 | 52.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12372000 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.28 | 79.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13772309 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 39.27 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12753823 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.76 | 55.97 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1 | xxx |
| 18325699 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 33 | 85.05 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 11084147 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 21.77 | 74.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12151852 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 38.6 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 13416588 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.62 | 71.87 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 11931810 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.4 | 88.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10570453 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.2 | 90 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12107383 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 26.97 | 63.55 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17447567 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 17.72 | 57.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12992964 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.71 | 70.16 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 14231780 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.13 | 65.06 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12419178 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.28 | 78.33 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 14402048 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.37 | 74.96 | xxx | xxx | .0104 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0104 | 96 | 0.04 | VeroValue | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14257600 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 33.47 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14295258 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.4 | 49.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14263432 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 24.39 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12291952 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 22.78 | 56.82 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16790329 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.13 | 66.34 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10817947 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.74 | 68.2 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 14064371 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 8.97 | 40.63 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1 | xxx |
| 12166712 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 37.58 | 71.34 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.4 | xxx |
| 19658582 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.68 | 74.71 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | xxx | -.1089 | 86 | 0.14 | Other | CA Value Express AVM | xxx | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10600194 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 15.63 | 79.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19429798 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | AVM | xxx | 12.05 | 79.69 | xxx | xxx | .0625 | Desk Review |  |  |  |  | xxx | xxx | .0625 | xxx | 1004 URAR | xxx |  |  | 92 | 0.08 |  |  |  | xxx | xxx | .0625 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible |  |  |
| 17292800 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 32.14 | 79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12588598 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.77 | 64.22 | xxx | xxx | .0929 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0929 | 93 | 0.07 | VeroValue | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14864507 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 24.46 | 79.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12496367 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25 | 59.6 | xxx | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | Eligible | xxx |
| 10038813 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.49 | 74.94 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19325836 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 31.28 | 69.64 | #N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17450713 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 35.57 | 74.78 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.5 | xxx |
| 18432133 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.73 | 72.21 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15882414 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.67 | 79.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18779709 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.56 | 70.06 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1 | xxx |
| 14594630 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.72 | 67.38 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14054695 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 34.65 | 79.26 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible |  |  |
| 14757499 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 15.24 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19614260 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 21.65 | 69.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19566122 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.54 | 64.99 | xxx | xxx | -.0500 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0500 | 94 | 0.06 | VeroValue | ClearAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18741069 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 51.65 | 67.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17900945 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 15.63 | 78.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15217945 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1073 Individual Condo Report | xxx | 11.92 | 70 | xxx | xxx | .0520 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0520 | 88 | 0.12 | VeroValue | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 19988729 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 34.32 | 65 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11013305 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 32.5 | 79.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14998093 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.69 | 84.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11513846 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 7.07 | 79.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16445320 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 31.59 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10259748 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 7.1 | 66.12 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19877637 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.47 | 59.81 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 19744647 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.45 | 60.56 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 16147339 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 11.52 | 70 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 19692026 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 13.04 | 73.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16554133 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 7.3 | 72.15 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible |  |  |
| 10518911 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 32.61 | 74.67 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.9 | xxx |
| 10614531 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 11.27 | 62.97 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11922944 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.9 | 58.36 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10161255 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.09 | 69.93 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.9 | xxx |
| 10726681 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 45.16 | 74.47 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | xxx |
| 14725590 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 8.54 | 62.57 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12991276 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.49 | 85.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2.2 | xxx |
| 10130022 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.57 | 74.79 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 13813450 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 38.85 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11213940 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.08 | 72.08 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 19149161 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.21 | 69.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13049657 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 26.8 | 61.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18150464 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25.32 | 89.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11167858 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.19 | 70 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15932619 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26 | 84.43 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 14690391 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 23.24 | 75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 18586285 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.23 | 78.13 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 14146564 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.63 | 39.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11566574 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 25.44 | 58.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13758869 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.51 | 78.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11078209 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.11 | 73.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12139012 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 8.82 | 79.09 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10246654 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.33 | 77.28 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 19138840 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.25 | 75.49 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 15446296 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25.94 | 57.07 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18670412 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.59 | 57.41 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 15012099 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.22 | 75.62 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12514091 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 30.05 | 77.12 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 10065939 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 31.1 | 90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10070990 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 34.83 | 89.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13328425 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.48 | 80 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19560478 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 30.47 | 62.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10247645 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.08 | 70.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12506580 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 18.66 | 69.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11442181 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 38.21 | 79.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18563041 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 37.58 | 49.16 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | xxx |
| 15684319 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 35.31 | 89.76 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 12571457 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.82 | 71.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14578027 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.25 | 59.07 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.6 | xxx |
| 14086426 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 33.33 | 74.22 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | Not Eligible | 1 | xxx |
| 15268480 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.92 | 47.38 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16479781 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 33.34 | 85 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 18989609 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.04 | 40.56 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 16583844 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 13.89 | 71.78 | xxx | xxx | .3086 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .3086 | 93 | 0.07 | Other | Other | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17165116 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16 | 74.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16263482 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.12 | 69.79 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11499457 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.89 | 71.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13594318 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.18 | 72.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11168186 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.03 | 78.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14375194 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 11.36 | 51.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17679535 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 36.92 | 68.2 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10862782 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.67 | 61.49 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 17774809 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 17.48 | 63.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10464159 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.22 | 59.79 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | xxx |
| 10433053 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.82 | 68.45 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 17116116 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.92 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.4 | xxx |
| 12025681 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.81 | 79.89 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12935925 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 15.28 | 65.26 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11587123 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.07 | 65.33 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 16791723 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.78 | 54.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 13637049 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.25 | 72.06 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1.8 | xxx |
| 10514513 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.68 | 79.09 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 17757486 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.35 | 59.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15537053 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 5.56 | 57.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13205572 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.07 | 72.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19925806 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.81 | 70 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 16901390 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.26 | 27.06 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12993005 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.69 | 76.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12222723 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 13.44 | 31.33 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16311547 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 21.72 | 56.26 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19013863 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.9 | 72.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16303343 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.48 | 74.96 | xxx | xxx | -45000 | -.0369 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | -45000 | xxx | ClearCapital | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12606905 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26.92 | 78.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11075549 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.91 | 63.89 | xxx | xxx | -.0318 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0318 | 93 | 0.07 | VeroValue | ClearAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 19661862 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20 | 68.08 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11262668 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 7.41 | 41.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15654274 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 8.77 | 73.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15632537 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.26 | 69.63 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.1 | xxx |
| 12768620 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 37.09 | 60.63 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19267414 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.51 | 68.8 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13259669 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.98 | 58.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10585040 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.79 | 66.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 14276389 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.86 | 74.47 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1.6 | xxx |
| 13511036 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 10.25 | 77.06 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | xxx | Not Eligible | 2.2 | xxx |
| 11472692 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 15.38 | 88.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12219131 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.05 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 17350706 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 30.91 | 60.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18043577 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.92 | 69.23 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 17529818 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26.95 | 63.75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 16904943 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.78 | 62.1 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | MODERATE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 17199628 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.67 | 46.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10249348 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 44.36 | 79.74 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18759965 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.45 | 79.99 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13602827 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.88 | 78.81 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12605010 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 16.14 | 59.99 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14175248 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 19.78 | 69.18 | xxx | xxx | -.0396 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0396 | 93 | 0.07 | VeroValue | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14529936 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1073 Individual Condo Report | xxx | 24.92 | 59.92 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 18244367 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 21.11 | 89.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19965269 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.34 | 64.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15358651 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 7.2 | 79.88 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10019714 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.15 | 74.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17044462 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1025 Small Residential Income Report | xxx | 18.33 | 64.05 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 0 | xxx |
| 15552574 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.53 | 62.79 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | xxx |
| 16387461 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.77 | 73.97 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14325520 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 9.25 | 89.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 10085400 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.7 | 87.44 | xxx | xxx | -.0028 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0028 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible |  |  |
| 13442438 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.95 | 78.23 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 12398881 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.17 | 69.98 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.9 | xxx |
| 19985525 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.94 | 66.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10768487 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.57 | 48.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19415044 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.05 | 65.04 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 13460695 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.76 | 62.2 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1.6 | xxx |
| 12141415 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.21 | 74.31 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2.4 | xxx |
| 15214086 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 8.91 | 57.46 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 18836556 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.74 | 44.03 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1 | xxx |
| 12763673 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.2 | 57.61 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.7 | xxx |
| 14376400 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.93 | 63.78 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 2.3 | xxx |
| 14739846 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.88 | 69.79 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 2.5 | xxx |
| 15534762 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 5.86 | 35.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16698833 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 23.81 | 66.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10486924 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 43.44 | 79.76 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13217651 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 18.88 | 62.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16880244 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.86 | 64.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17827622 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.83 | 60.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13380241 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 9.96 | 89.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16880215 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 38.17 | 69.55 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11788643 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.97 | 31.76 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible |  |  |
| 11582460 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 46.57 | 83.9 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 11563481 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26.96 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15934438 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.65 | 77.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10519127 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.42 | 46.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12170319 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25.47 | 79.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13605701 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 23.44 | 70.89 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10892905 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 16.37 | 60.49 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10996843 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.16 | 70.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18857003 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 46.9 | 79.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16498786 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.54 | 49.17 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 18376374 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 24.71 | 66.16 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13865311 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.75 | 82.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15814173 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 21.27 | 68.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10544376 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 19.27 | 57.55 | xxx | xxx | -.0363 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0363 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11342711 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26.63 | 75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17984354 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 15.32 | 60.13 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12696027 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.62 | 31.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16000356 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.48 | 53.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11329680 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 35.59 | 79.07 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11699187 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.34 | 66.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18115053 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 29.82 | 84.88 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx |
| 12476125 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 26.14 | 79.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19343159 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 2075 Desktop Underwriter Property Inspection Report | xxx | 9.63 | 63.25 | xxx | 0 | .0000 | AVM |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | 90 | 0.1 | Clear Capital | ClearAVM | xxx |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11734901 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 34.17 | 77.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15585384 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.54 | 67.84 | xxx | xxx | .0431 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0431 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15317383 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.58 | 58.35 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.2 | xxx |
| 18203222 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.54 | 73.84 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12322872 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.21 | 49.87 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 15403596 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 33.33 | 76.68 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16302696 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.75 | 41.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11859562 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 9.73 | 51.16 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12736350 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 22.11 | 69.48 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11116853 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 34.09 | 75.06 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 97 | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18066523 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.96 | 66.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18957854 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.09 | 88.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14942507 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.14 | 52.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16311152 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.17 | 69.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15206696 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 13.41 | 52.23 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18761426 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 20.33 | 64.99 | xxx | xxx | -.0022 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0022 | 92 | 0.08 | VeroValue | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 17517680 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.71 | 68.02 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 15934913 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 23.8 | 72.76 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 17365146 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.78 | 79.89 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | Not Eligible | 1 | xxx |
| 12880010 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 15.47 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13658603 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.45 | 66.51 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | 1 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 15336359 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 40.65 | 46.43 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18519521 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.69 | 45.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18970569 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 14.79 | 37.39 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15010848 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 12.74 | 63.19 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18745300 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20 | 72.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13792544 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 30.75 | 69.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18728848 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 37.74 | 78.86 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 15840328 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 17.8 | 74.88 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 15588514 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 14.78 | 78.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19518155 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 21.79 | 69.24 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 96 | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18037317 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.46 | 79.88 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11414881 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.63 | 64.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16907497 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 32.1 | 79.82 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 13752541 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 6.29 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10209253 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25.55 | 62.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19333577 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.4 | 72.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12720929 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.19 | 65.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12643838 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 32.65 | 79.76 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16078134 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 25.46 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17065949 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.58 | 70.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15295324 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 17.22 | 55.3 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10764805 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 16.81 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15029638 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 16.06 | 67.75 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15814086 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.52 | 79.02 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19290593 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 8.11 | 71.22 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | xxx | -.2873 | 90 | 0.1 | VeroValue | VeroValue AVM | xxx | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10486990 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 30.65 | 73.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12098005 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.39 | 59.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18557521 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.02 | 72.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19417791 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.3 | 43.02 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.7 | xxx |
| 11509384 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.03 | 82.88 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | xxx |
| 16515815 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.84 | 74.74 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 2.3 | xxx |
| 11430316 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.03 | 73.88 | xxx | xxx | -.0438 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0438 | 93 | 0.07 | VeroValue | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19458139 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.77 | 89.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17969478 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 46.15 | 62.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19587471 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 8.47 | 60.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18924252 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26.38 | 71.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16020969 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 18.66 | 77.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10400980 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.35 | 70.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19697561 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 2.94 | 27.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17917785 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.81 | 79.82 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17848066 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 22.06 | 42.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11457931 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 31.43 | 70.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15353253 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 36.52 | 66.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13502161 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 13.49 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17148022 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 12.16 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12024558 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.62 | 59.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15745868 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.88 | 59.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17652766 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 29.08 | 79.64 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19048646 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 23.44 | 61.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15078760 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.19 | 89.87 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13260906 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.26 | 64.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16512924 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 38.18 | 73.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18741493 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.73 | 62.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18748602 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.22 | 74.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19933502 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1025 Small Residential Income Report | xxx | 14.89 | 74.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11278892 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.54 | 74.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10464421 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 23.48 | 70 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10148114 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20 | 74.12 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 16336671 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.57 | 74.93 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 12104113 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 41.78 | 89.62 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 14306572 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 15.54 | 77.77 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 12071525 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.96 | 64.22 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 2.3 | xxx |
| 16431875 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 12.54 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 14103170 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 10.49 | 64.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16366253 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 39.07 | 74.99 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10701773 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.3 | 34.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18101471 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 31.58 | 46.42 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11912306 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 32.78 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14555520 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.55 | 57.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18089007 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 14.29 | 43.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13554218 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 22.11 | 76.46 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11367735 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.33 | 79.74 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19165195 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 33.8 | 65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14815954 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 48 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13687420 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 9.93 | 79.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15373810 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.67 | 79.89 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.2 | xxx |
| 13437980 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.67 | 77.76 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 17701210 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.67 | 58.85 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 10087425 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 25.29 | 49.2 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 18127831 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 33.58 | 74.75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 16243693 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 13.65 | 47.06 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | Not Eligible |  | xxx |
| 13466620 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 13.06 | 60.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0142 | 94 | 0.06 | Clear Capital | ClearAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15986945 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.81 | 63.51 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10205540 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 13.14 | 49.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19589318 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.67 | 78.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11053305 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.1 | 47.23 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 11725648 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 33.47 | 54.8 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11068704 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 15.78 | 79.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14940931 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 35.71 | 67.56 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11250616 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.35 | 66.66 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 14230541 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.43 | 44.5 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 11182366 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.24 | 64.76 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12349430 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 36.38 | 65.34 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 13244314 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 20.25 | 79.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0360 | 94 | 0.06 | Clear Capital | ClearAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13436061 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 37.83 | 89.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14917543 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 31.56 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15045124 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 23.7 | 74.71 | xxx | xxx | -.0747 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0747 | 87 | 0.13 | VeroValue | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15856109 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 30 | 79.8 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 17596955 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 28.78 | 69.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 11915383 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 15.01 | 70.98 | xxx | xxx | .0356 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0356 | 92 | 0.08 | VeroValue | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 15926618 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15.56 | 74.69 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 2 | xxx |
| 19699553 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26.95 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 15436070 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.93 | 72.69 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible |  |  |
| 16253130 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1075 Exterior Only Inspection Condo Report | xxx | 37.09 | 79.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18783962 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 33.38 | 64.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18852979 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 39.89 | 69.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15346668 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26.55 | 64.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10408411 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 15.63 | 69.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13630448 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 17.86 | 72.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19124701 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.46 | 79.69 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.5 | xxx |
| 17546688 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 33.12 | 79.91 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.2 | xxx |
| 12101279 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.02 | 60.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11117440 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 15 | 60.71 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | xxx | Not Eligible | 2 | xxx |
| 14019170 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 22.8 | 74.81 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14479238 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 33.48 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19354833 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 27.73 | 53.18 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18925109 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.59 | 63.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18986439 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 21.78 | 33.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18786301 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26.9 | 62.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12175215 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25 | 84.78 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 2.1 | xxx |
| 18016369 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.65 | 46.75 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.6 | xxx |
| 19698993 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.27 | 66.95 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 11993949 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.31 | 71.67 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1 | xxx |
| 15585066 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.02 | 79.85 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | xxx |
| 10121475 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25 | 74.25 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 16380875 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 11.85 | 64.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18690794 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.84 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18129599 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.09 | 50.76 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10854784 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 26.19 | 69.93 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11169185 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.53 | 71.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13354973 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 10.25 | 81.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14619617 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 29.21 | 68.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17507716 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 7.97 | 58.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10099967 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.54 | 71.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10256461 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.71 | 57.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13409063 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.78 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18493126 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.81 | 89.86 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 10440327 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.3 | 37.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14454760 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.42 | 52.92 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 17476367 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.96 | 66.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14786503 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.06 | 63.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18347062 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.14 | 79.69 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 19046210 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 8.89 | 32.01 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 12745747 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 23.36 | 60.18 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 11904096 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 17.01 | 83.61 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 11626222 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.17 | 68.32 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 19697596 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25.35 | 84.99 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 16454329 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 34.75 | 89.97 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | Not Eligible | 1 | xxx |
| 17385827 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 7.49 | 67.62 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16285476 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.92 | 69.47 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13498923 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 21.46 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12939319 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 17.18 | 62.69 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.2 | xxx |
| 19589611 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.95 | 77.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16722031 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 17.28 | 89.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16462074 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 11.56 | 54.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11015785 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 36.62 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16644456 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.48 | 69.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15837192 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.3 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17475972 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25.18 | 80 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 18744451 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 17.35 | 73.1 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 14274503 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 24.34 | 64.27 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17742508 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 6.78 | 30.09 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14079071 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1073 Individual Condo Report | xxx | 15.07 | 64.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18231759 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.05 | 54.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10819636 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 14.29 | 40.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10446512 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25.01 | 64.84 | xxx | xxx | .0768 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0768 | 93 | 0.07 | VeroValue | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13216642 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 19.53 | 69.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13816374 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 15.2 | 84.88 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2.3 | xxx |
| 19860100 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 25.68 | 74.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11865622 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 22.45 | 53.8 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12751613 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.43 | 48.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11258680 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 15.31 | 63.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17761423 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 13.11 | 74.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11640616 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 20.45 | 69.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17801558 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.85 | 43.91 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16986429 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 15 | 68.98 | xxx | xxx | .0800 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0800 | 90 | 0.1 | VeroValue | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19913108 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 23.66 | 74.59 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible |  |  |
| 18276058 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.87 | 57.02 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 15903646 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 33.73 | 59.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15205486 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.84 | 76.3 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11295788 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.78 | 89.75 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14736015 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.22 | 89.89 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.1 | xxx |
| 17681369 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.84 | 74.56 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1 | xxx |
| 13690304 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 27.54 | 74.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18049024 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.24 | 72.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19498835 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.22 | 64.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17246585 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 10.23 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19705211 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 19.49 | 46.6 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16862895 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.7 | 83.4 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 17823654 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.05 | 76.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17705140 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 19.4 | 70.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19398401 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | AVM | xxx | 17.64 | 74.75 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | -1.0000 | xxx |  |  |  |  |  |  |  |  |  |  |  |
| 14834834 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 15.73 | 65.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12385938 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 18.01 | 59.51 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17396764 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 16.31 | 89.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15432250 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 25.13 | 64.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15858324 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 8.65 | 74.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15824237 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 18.1 | 51.33 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14527575 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 16.24 | 89.4 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 2.1 | xxx |
| 17722744 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 16.14 | 69.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18128073 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 43.77 | 69.94 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 11176264 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 8.45 | 38.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11766032 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 21.43 | 65.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12895988 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 29.16 | 79.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15376607 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 45.57 | 79.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10047471 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.3 | 38.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10721827 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 12.5 | 35.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15902939 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 22.56 | 45.8 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16891980 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 40.79 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17168378 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 20.21 | 68.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18528943 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.49 | 74.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14726414 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 22.35 | 73.23 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14907778 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 17.58 | 74.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11624503 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1025 Small Residential Income Report | xxx | 8.27 | 31.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18607514 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 24.92 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13379534 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 6.67 | 71.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19826982 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1004 URAR | xxx | 36.36 | 74.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13309631 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 28.44 | 79.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18029396 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 11.77 | 67.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17667786 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | 1004 URAR | xxx | 8.04 | 64.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10517808 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 16.25 | 52.22 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17297664 | xxx | xxx | xxx | xxx |  | 0 | 0 | 0 | AVM | xxx | 25.12 | 50.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16878715 | xxx | xxx | xxx | xxx |  | xxx | 0 | 0 | 1025 Small Residential Income Report | xxx | 17.53 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy 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** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** |
| 11033534 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.31% | 41.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Missing IRS Transcripts Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified, Missing IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.26 | N/A |
| 15810127 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.95% | 48.95% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other, Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 45.06 | Yes |
| 12756133 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.85% | 43.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.02 | N/A |
| 15106488 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.09% | 49.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.07 | N/A |
| 16779489 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.50% | 38.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - 2024 | Borrower - Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.93 | N/A |
| 15144075 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | Monthly | 0.00% | 49.27% | 49.27% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 183 | 35 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 84.87 | N/A |
| 18112751 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.47% | 49.47% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 124 | 36 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.1 | N/A |
| 16898352 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.89% | 40.89% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 85 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.83 | N/A |
| 17630328 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.79% | 38.79% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 59.88 | N/A |
| 15100964 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | Yes | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.02% | 42.02% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 99.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.18 | N/A |
| 11841028 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.77% | 40.77% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 24 | 24 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 22.03 | N/A |
| 16596346 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.92% | 29.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.07 | N/A |
| 13275728 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 22.60% | 22.60% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.91 | Yes |
| 19931313 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.36% | 44.36% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 101 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A |
| 11611769 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.48% | 42.48% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 103.40% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 122 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, SEPartnership, SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A |
| 18507930 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.56% | 45.56% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.92 | N/A |
| 12599442 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.96% | 43.96% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 122 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A |
| 19354948 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.62% | 37.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.96 | N/A |
| 17457029 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 27.59% | 27.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 13 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.2 | Yes |
| 18114177 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.73% | 23.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 122 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 35.25 | N/A |
| 12199125 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.56% | 49.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 132 | 130 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor, SSI and Disability, Retirement, Retirement - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.28 | N/A |
| 17889591 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.58% | 49.58% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.86 | Yes |
| 13256404 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.51% | 41.51% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.71 | N/A |
| 16686281 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.39% | 49.39% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 142 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.64 | N/A |
| 18332962 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.93% | 41.93% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 315 | 35 | Other | Yes | 232 | 35 | Other | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.58 | N/A |
| 18770698 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.09% | 49.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESCorp, SSI and Disability, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.69 | N/A |
| 11224596 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 14.90% | 14.90% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 51.00% | 39.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 \|\| Co Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 18274429 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.14% | 48.14% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 72 | 36 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.61 | N/A |
| 17468613 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.99% | 47.99% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.11 | N/A |
| 16582318 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 16.75% | 16.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 144 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 29.39 | N/A |
| 13560153 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.77% | 49.77% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 71.03 | N/A |
| 10009073 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.87% | 41.87% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 81 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO - Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.72 | N/A |
| 14540371 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 41.94% | 41.94% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 57.31% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 83 | No | 0 | NA | 0 | 0 | N/A | Yes | 144 | 26 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.57 | N/A |
| 16146977 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.44% | 38.44% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.03 | N/A |
| 11894605 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.58% | 30.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.1 | N/A |
| 15413860 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.57% | 49.57% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.78 | Yes |
| 10800514 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.67% | 34.67% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 72 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70.79 | N/A |
| 16919523 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.60% | 49.60% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 28 | 25 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.74 | N/A |
| 18611771 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.17% | 42.17% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 305 | 25 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 14220866 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.74% | 39.74% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.48 | N/A |
| 16823754 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.39% | 33.39% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 293 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 90 | N/A |
| 13181072 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.32% | 49.32% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | Yes | Yes | 2 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.81 | N/A |
| 14670864 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.98% | 20.98% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 2 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 104 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.19 | N/A |
| 15080012 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.96% | 41.96% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 83.72 | N/A |
| 12484496 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.39% | 42.39% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Audited | 24 | CPA | Audited | CPA | 24 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.03 | N/A |
| 13017772 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 16.11% | 16.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.06 | N/A |
| 19418350 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.27% | 26.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.97 | N/A |
| 15510979 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.22% | 34.22% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 11249929 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.19% | 36.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.79 | N/A |
| 12732749 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.42% | 30.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 196 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.6 | N/A |
| 14299112 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.61% | 48.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.91 | N/A |
| 11687486 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.33% | 46.33% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 189 | 24 | Work Number | Yes | 66 | 25 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Us Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.76 | N/A |
| 15795471 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 20.20% | 20.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | Yes | 84 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.71 | N/A |
| 18818683 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.87% | 35.87% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | Yes | 84 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Asset Depletion, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | Unknown | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 89.99 | N/A |
| 11645136 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 27.89% | 27.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 77.64 | N/A |
| 11702900 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.46% | 46.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.59 | N/A |
| 13517996 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.65% | 48.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.13 | N/A |
| 13078836 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 11.43% | 11.43% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.94 | N/A |
| 19082908 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.35% | 48.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper | N/A | N/A | 0 | Yes | 83 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.5 | N/A |
| 18724672 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.61% | 36.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 61 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.49 | N/A |
| 17588157 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 11.20% | 11.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.05 | N/A |
| 19470434 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.31% | 40.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.99 | N/A |
| 19456563 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.19% | 32.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 27.15 | N/A |
| 13561817 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.32% | 49.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 218 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 34.38 | N/A |
| 11990492 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.07% | 46.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.32 | N/A |
| 14226155 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.56% | 48.56% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 130 | 25 | FNMA 1005 | Yes | 108 | 36 | FNMA 1005 | No | 0 | 0 | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.69 | N/A |
| 16536009 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.72% | 43.72% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 50 | 24 | Work Number | Yes | 44 | 25 | Work Number | No | 0 |  | N/A | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.92 | N/A |
| 18771197 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.65% | 49.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.89 | N/A |
| 14687491 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.11% | 30.11% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 80 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.89 | N/A |
| 13787750 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.28% | 42.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.58 | N/A |
| 12448705 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 37.07 | N/A |
| 16572306 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.72% | 46.72% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 46.24% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 120 | Yes | 205 | 205 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.74 | N/A |
| 17857054 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.50% | 49.50% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Retirement - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Retirement - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.39 | N/A |
| 19291640 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.35% | 32.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.91 | N/A |
| 14727082 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.83% | 43.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 97 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.21 | N/A |
| 13827497 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.83% | 30.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.85 | N/A |
| 11429613 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.80% | 31.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | Accountant/Bookkeeper | N/A | N/A | 0 | Yes | 169 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.34 | N/A |
| 16262012 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.27% | 40.27% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 115 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Commission - Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A |
| 15439394 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.05% | 32.05% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, SSI and Disability - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.88 | N/A |
| 14524104 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.28% | 22.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 295 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.75 | N/A |
| 17354295 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.76% | 49.76% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 0 | 101 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.75 | N/A |
| 19904599 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.33% | 49.33% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.25 | N/A |
| 12949342 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.50% | 18.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.6 | N/A |
| 11137889 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.18% | 29.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.86 | N/A |
| 16106039 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.33% | 46.33% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.31 | N/A |
| 15656488 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 18.62% | 18.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.5 | N/A |
| 11085715 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.44% | 24.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.82 | N/A |
| 11795637 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.43% | 49.43% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 91 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.98 | N/A |
| 18812824 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.34% | 49.34% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 99 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.28 | N/A |
| 16138433 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.26% | 45.26% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.85 | N/A |
| 19183225 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.70% | 30.70% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.25 | N/A |
| 11571787 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.52% | 49.52% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 316 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | United States | **xxx** | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.17 | N/A |
| 18075600 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.72% | 42.72% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 \|\| Co Borrower - Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.04 | N/A |
| 14001554 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.37% | 42.37% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 1YR Full Doc | 1 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 93 | 25 | Work Number | No | 0 |  | N/A | Borrower - Retirement, Retirement - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.98 | N/A |
| 12618340 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.11% | 42.11% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 123 | 25 | FNMA 1005 | Yes | 57 | 26 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.27 | N/A |
| 15101890 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.89% | 43.89% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 2 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 118 | 24 | Work Number | Yes | 136 | 24 | Work Number | No | 0 | 0 | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85 | N/A |
| 16470350 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.03% | 45.03% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Borrower Prepared | 12 | Borrower | Borrower Prepared | Borrower | 12 | Yes | 13 | Yes | 13 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Wage, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - SEPartnership, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.71 | N/A |
| 13707828 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.63% | 46.63% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission, Other - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.09 | N/A |
| 13388067 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 27.54% | 27.54% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 36 | 24 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.51 | N/A |
| 10968362 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.44% | 45.44% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.54 | N/A |
| 14891739 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.45% | 42.45% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 22 | 5 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 \|\| Co Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 \|\| Co Borrower - 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | Non-Permanent Non-US Citizen |  | Real ID Driver's License |  | xxx | NEVEDA | xxx |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 87.06 | N/A |
| 10051628 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.90% | 39.90% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 122 | 26 | FNMA 1005 | Yes | 169 | 36 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.95 | N/A |
| 19044507 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.35% | 48.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 114 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.9 | N/A |
| 10137932 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.99% | 36.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 5 | 5 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 51.99 | N/A |
| 19275161 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.12% | 42.12% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 40.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 229 | Yes | 180 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 \|\| Co Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 27.06 | N/A |
| 19106400 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.99% | 49.99% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 241 | 25 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 37.36 | N/A |
| 18646272 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.82% | 35.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 88 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.04 | N/A |
| 12077235 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.98% | 33.98% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 300 | Yes | 300 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.78 | N/A |
| 19835747 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.78% | 41.78% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, Retirement, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.24 | N/A |
| 19682940 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.36% | 36.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.58 | N/A |
| 11584218 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.72% | 44.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.92 | N/A |
| 15690228 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.66% | 47.66% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement, Other, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.98 | N/A |
| 14916597 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.85% | 29.85% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.23 | N/A |
| 16515923 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.98% | 46.98% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 62.23% | 90.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.75 | N/A |
| 13197997 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.73% | 44.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 337 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65.28 | N/A |
| 16317910 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.36% | 42.36% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.83 | N/A |
| 10400959 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.92% | 34.92% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 157 | 24 | Work Number | Yes | 170 | 24 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.01 | N/A |
| 16356274 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.81% | 34.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 67 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.62 | N/A |
| 17081698 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.73% | 46.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.36 | N/A |
| 12903079 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.24% | 40.24% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 1 | 3 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 196 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 89.99 | N/A |
| 15606452 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.61% | 43.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.87 | N/A |
| 15283377 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.78% | 21.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 13659585 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.76% | 40.76% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 170 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.14 | N/A |
| 15811570 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.40% | 49.40% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.78 | N/A |
| 18479794 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.52% | 44.52% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 78 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 12688669 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.56% | 47.56% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 5 | 5 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.23 | N/A |
| 19159896 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.92% | 42.92% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 71.97 | N/A |
| 18686653 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.54% | 26.54% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.73 | N/A |
| 16885191 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.55% | 25.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 79.6 | N/A |
| 12390582 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.54% | 31.54% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month |  | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 80.25% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 54 | No | 0 | Yes | 247 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SESCorp - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified \|\| Co Borrower - null Paystubs Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.87 | N/A |
| 19067194 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.89% | 26.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.74 | N/A |
| 13612321 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.20% | 48.20% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 3 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - SSI and Disability, SSI and Disability - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.55 | N/A |
| 10915462 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.45% | 30.45% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 343 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 49.9 | N/A |
| 16168824 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.15% | 46.15% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.68 | N/A |
| 15319711 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.23% | 43.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 62 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.83 | Yes |
| 12541219 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.46% | 25.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 71 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.76 | N/A |
| 15232110 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.13% | 46.13% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.67 | N/A |
| 16711312 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.07% | 49.07% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 48 | 13 | FNMA 1005 | Yes | 66 | 25 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 42.15 | N/A |
| 12350720 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.57% | 38.57% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 29 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.36 | N/A |
| 11734191 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.87% | 42.87% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 97 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A |
| 19861386 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.22% | 47.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.82 | N/A |
| 11151228 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.53% | 39.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 86 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.89 | N/A |
| 17320795 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.24% | 33.24% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.61 | N/A |
| 16987725 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.21% | 30.21% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.88 | N/A |
| 11607023 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.23% | 49.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.09 | N/A |
| 13409524 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.99% | 40.99% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 24 | 66.69% | 0.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 60 | Yes | 88 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | Yes |
| 12837155 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.05% | 44.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.24 | N/A |
| 10821042 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.56% | 41.56% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.47 | N/A |
| 17830799 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.34% | 37.34% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 40 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 1 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.96 | N/A |
| 19806250 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.81% | 35.81% | No | No |  |  |  |  |  |  | Retired | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | Yes | N/A | 2 | 0 | Yes | N/A | 2 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified \|\| Co Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 43.36 | N/A |
| 10321131 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.68% | 42.68% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 18 | 18 | Work Number | Yes | 93 | 93 | Work Number | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.83 | N/A |
| 10822364 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.69% | 37.69% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 60.09% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | Yes | 7 | 7 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.35 | N/A |
| 19083970 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.92% | 49.92% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 228 | 26 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.52 | N/A |
| 17179864 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.07% | 41.07% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 25.6 | N/A |
| 19676060 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.79% | 37.79% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.7 | N/A |
| 14173634 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.28% | 33.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 36.48 | N/A |
| 14897520 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.98% | 49.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.19 | Yes |
| 12332126 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.99% | 39.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.58 | N/A |
| 19806461 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.98% | 49.98% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 21 | 25 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 89.86 | N/A |
| 15744560 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.22% | 38.22% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 161 | 26 | FNMA 1005 | Yes | 18 | 18 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.8 | N/A |
| 17944462 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.19% | 42.19% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 3 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, SSI and Disability, Military and Government Assistance - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025 | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.46 | N/A |
| 14199920 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.06% | 37.06% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.82 | Yes |
| 18508838 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.63% | 42.63% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024 \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.8 | N/A |
| 16467041 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.42% | 26.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 60 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 84.95 | N/A |
| 16628381 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.82% | 46.82% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.87 | N/A |
| 13096270 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.76% | 49.76% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 65 | 26 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - Wage, Wage, Military and Government Assistance - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.89 | N/A |
| 18150128 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.21% | 45.21% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 36 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.02 | N/A |
| 11330523 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.56% | 40.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.94 | N/A |
| 14543210 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.85% | 38.85% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 37 | 38 | FNMA 1005 | Yes | 23 | 24 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.09 | N/A |
| 12187840 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.24% | 42.24% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.35 | N/A |
| 13864733 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 28.33% | 28.33% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 \|\| Co Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.29 | N/A |
| 12623597 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.97% | 49.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.81 | N/A |
| 12594209 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.97% | 20.97% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, N/A - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.5 | N/A |
| 18791821 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.48% | 43.48% | Yes | Yes |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 2 | 0 | 3 | 3 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Lease Agreements Verified \|\| Co Borrower - SSI and Disability, Retirement - 2 YRS Personal Tax Returns Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.61 | N/A |
| 19322378 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.40% | 38.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 230 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.3 | N/A |
| 12082533 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.19% | 41.19% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 13 | Yes | Yes | 0 | 13 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | Yes | 84 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | Yes |
| 17242534 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.41% | 17.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.73 | N/A |
| 16971462 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.123 | 1.123 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | No | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.91 | N/A |
| 19983858 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.19% | 39.19% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.91 | N/A |
| 13298825 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.71% | 35.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 13 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.82 | N/A |
| 12350234 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.688 | 1.688 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A |
| 10261261 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.26% | 26.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | Yes | 84 | No | Yes | Yes | 0 | 12 | No |  |  |  | 33.49% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Asset Depletion - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.43 | N/A |
| 10342337 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.44% | 30.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 51.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 77 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 17701377 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.96% | 42.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 88.86 | N/A |
| 16987571 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.15% | 43.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 326 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.28 | N/A |
| 18948113 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.27% | 33.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.81 | N/A |
| 18979575 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 5.46% | 5.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 51.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.98 | N/A |
| 12190440 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.07% | 37.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 38 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 86.73 | N/A |
| 18353500 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.07% | 48.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 91.49% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.12 | Yes |
| 10159689 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.63% | 30.63% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 62 | 36 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.16 | N/A |
| 19541631 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.67% | 43.67% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.53 | N/A |
| 10159657 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.24% | 42.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 227 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.86 | N/A |
| 10158744 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.67% | 41.67% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 7 | 76 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.01 | Yes |
| 10169566 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.97% | 49.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 27 | 25 | Work Number |  |  | 0 |  | No | 0 |  | Yes | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.26 | N/A |
| 15889027 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.20% | 48.20% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 140 | 26 | FNMA 1005 | Yes | 94 | 26 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.67 | N/A |
| 10955196 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.43% | 41.43% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 145 | 25 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.62 | N/A |
| 12395857 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.30% | 44.30% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.7 | N/A |
| 14196390 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 8.62% | 8.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 155 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.02 | N/A |
| 19845135 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.78% | 40.78% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 40.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.1 | N/A |
| 11795061 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 13.86% | 13.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.87 | N/A |
| 16264293 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.69% | 49.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | Yes | 84 | No | Yes | Yes | 1 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 20 | 20 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Asset Depletion - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 78.52 | N/A |
| 16547397 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.92% | 36.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 81.72 | N/A |
| 14738390 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.21% | 36.21% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 361 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | United States | **xxx** | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.11 | N/A |
| 17390567 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.98% | 33.98% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | USA | **xxx** | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | Yes |
| 16452400 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.68% | 45.68% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.7 | N/A |
| 12022263 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.52% | 36.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.94 | N/A |
| 17753795 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.02% | 39.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.32 | N/A |
| 12955456 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.85% | 49.85% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 148 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.11 | N/A |
| 14087712 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 18.14% | 18.14% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 25 | 25 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.85 | N/A |
| 11090039 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.45% | 49.45% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.35 | N/A |
| 14039887 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.23% | 47.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.58 | N/A |
| 19024790 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.84% | 49.84% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 89.75 | N/A |
| 14789543 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.13% | 42.13% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 280 | 26 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.4 | N/A |
| 14075474 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | Monthly | 0.00% | 48.49% | 48.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 74 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 74.05 | N/A |
| 14745848 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.31% | 42.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.59 | N/A |
| 17589659 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.07% | 39.07% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 15.38 | N/A |
| 12411278 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.98% | 49.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.72 | Yes |
| 16387913 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.268 | 1.268 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 34.34 | N/A |
| 12300213 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.73% | 48.73% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 80.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.9 | N/A |
| 16707346 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.86% | 49.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 65.79% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | Yes | 39 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.6 | N/A |
| 10675213 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.25% | 28.25% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 168 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 19559235 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.27% | 36.27% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 11292849 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.43% | 39.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 14 | CPA |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, null Executed 4506T Verified | Borrower - null Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 41.53 | N/A |
| 14836438 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.85% | 33.85% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 170 | 26 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 18742671 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.77% | 48.77% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 341 | 341 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.96 | Yes |
| 15909401 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.36% | 41.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 79 | 25 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.8 | N/A |
| 16903878 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.28% | 49.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 281 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 9.64 | N/A |
| 14945383 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.88% | 44.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.23 | N/A |
| 14134535 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 26.25% | 26.25% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 289 | 36 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.02 | N/A |
| 12156809 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.83% | 47.83% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 3 | Yes | Yes | No | Yes | 12 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 234 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SSI and Disability, Asset Depletion - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - SSI and Disability - 3 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 8.75 | N/A |
| 12098752 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.05% | 42.05% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 4 | 4 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75.29 | N/A |
| 12544974 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.74% | 34.74% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.64 | N/A |
| 12409278 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.50% | 46.50% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability, SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.05 | N/A |
| 10298661 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.99% | 49.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 127 | 26 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.73 | N/A |
| 19564310 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.33% | 41.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 56.21% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 20 | 20 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, SESoleProprietor - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.69 | N/A |
| 10466240 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.32% | 33.32% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 75 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.95 | N/A |
| 15008487 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.85% | 37.85% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 90 | N/A |
| 12088148 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.33% | 44.33% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 82.55 | N/A |
| 18525382 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.40% | 45.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 38.87 | N/A |
| 17248474 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.31% | 39.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.22 | N/A |
| 14141124 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.55% | 48.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.92 | N/A |
| 19259837 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.86% | 41.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.74 | N/A |
| 18207055 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.015 | 1.015 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.52 | N/A |
| 10507952 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.08% | 27.08% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Documentation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | Yes | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.31 | N/A |
| 12840968 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.72% | 42.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.94 | N/A |
| 12285422 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.93% | 49.93% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 7 | 93 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.59 | N/A |
| 18005728 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.23% | 36.23% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 291 | 26 | FNMA 1005 | Yes | 35 | 25 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.38 | N/A |
| 19635823 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.44% | 25.44% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 8 | 8 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.18 | N/A |
| 16019766 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.31% | 28.31% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 384 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - N/A | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.96 | N/A |
| 11414043 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.77% | 41.77% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 73 | 25 | Work Number | Yes | 22 | 22 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.67 | N/A |
| 16328395 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.89% | 48.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 77 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.51 | N/A |
| 16932615 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.52% | 36.52% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 282 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.44 | N/A |
| 13095280 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.54% | 33.54% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 32 | 21 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.64 | N/A |
| 18583947 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.74% | 39.74% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | Yes | 6 | No | No | N/A | 0 | 0 | Yes | Yes | 6 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 5 | 5 | FNMA 1005 | No | 0 |  | N/A | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage, Overtime and Bonus, Asset Depletion - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.41 | N/A |
| 10943973 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.79% | 35.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.06 | N/A |
| 15839168 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.96% | 33.96% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 53 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.64 | N/A |
| 17997247 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.45% | 42.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 39 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 43.99 | N/A |
| 12491788 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.74% | 46.74% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 82 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 0 | 48 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.4 | N/A |
| 15914354 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.42% | 49.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 |  |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, null Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.98 | N/A |
| 19491353 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.47% | 42.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.97 | N/A |
| 18922151 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.15% | 20.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 14 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.29 | N/A |
| 17759985 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.32% | 47.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 57.32 | N/A |
| 11944198 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.067 | 1.102 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.58 | N/A |
| 10632769 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.29% | 43.29% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 99 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - N/A | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.8 | N/A |
| 15147454 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.92% | 43.92% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.02 | N/A |
| 14683866 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.23% | 37.23% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.57 | N/A |
| 16705921 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 |  | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | No | No |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.383 | 1.383 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 46.55 | N/A |
| 14792416 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.77% | 36.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 0 | 62 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 86.4 | N/A |
| 12890795 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.40% | 49.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 258 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.04 | N/A |
| 18806247 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.45% | 40.45% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.87 | N/A |
| 11089492 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.14% | 35.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.55 | N/A |
| 14332871 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.80% | 49.80% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 1 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage, SSI and Disability - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.75 | N/A |
| 18575625 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.98% | 29.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 13 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.99 | N/A |
| 13331332 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.70% | 20.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.23 | N/A |
| 10193556 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.60% | 49.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.5 | N/A |
| 15833391 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.89% | 21.89% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 263 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.82 | N/A |
| 17629644 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.36% | 47.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 69 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.67 | N/A |
| 10664315 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.14% | 34.14% | No | No |  |  |  |  |  |  | Retired | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - Retirement, Retirement - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Retirement - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.58 | N/A |
| 11990175 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.51% | 37.51% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 2 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | Audited | Accountant/Bookkeeper | 12 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor - 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | Missing |  |  | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.24 | N/A |
| 13276991 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.92% | 45.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.63 | N/A |
| 14697562 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.20% | 49.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.1 | N/A |
| 11229125 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.79% | 38.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.73 | N/A |
| 10745069 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.13% | 39.13% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2+ Months Paystubs Verified | Borrower - 1 YR Personal Tax Returns Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.91 | N/A |
| 19162513 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.99% | 28.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A |
| 16626676 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.91% | 49.91% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Personal Bank Statements Verified \|\| Co Borrower - SESCorp - CPA Letter Verified, Personal Bank Statements Verified - 2024 | Borrower \|\| Co Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.99 | Yes |
| 16869660 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.77% | 47.77% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 57 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 82.01 | N/A |
| 11476794 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.78% | 24.78% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - N/A, Other REO Net Rental Income(Loss) \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2024 | Borrower \|\| Co Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.93 | N/A |
| 15793756 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.23% | 41.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 14 | CPA |  |  |  | Yes | 14 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.8 | N/A |
| 12973465 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 21.01% | 21.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.8 | N/A |
| 19241439 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 2.05% | 2.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 66 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.86 | N/A |
| 18867477 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.23% | 31.23% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 \|\| Co Borrower - SECorporation - 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.52 | N/A |
| 11865938 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.55% | 47.55% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.33 | N/A |
| 12869862 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 50.00% | 50.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 78.23 | N/A |
| 13052227 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.50% | 17.50% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.49 | N/A |
| 13927219 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.61% | 19.61% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.18 | N/A |
| 12060669 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.38% | 48.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 76 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.97 | N/A |
| 15264340 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.07% | 38.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.1 | N/A |
| 17050497 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.44% | 37.44% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 53.13% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | Yes | 36 | 36 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85 | N/A |
| 11072523 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.45% | 49.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 9.19% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 206 | 14 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.87 | N/A |
| 12624888 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.13% | 40.13% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 87.08 | N/A |
| 16667083 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.78% | 35.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.86 | N/A |
| 11689920 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.82% | 27.82% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.64 | N/A |
| 14462932 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.21% | 44.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 27 | 58 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.01 | N/A |
| 12346311 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.46% | 37.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A |
| 14892745 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.88% | 42.88% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 73.65% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 18066673 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.36% | 43.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.96 | N/A |
| 10421342 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.93% | 48.93% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified \|\| Co Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.98 | N/A |
| 12633099 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.66% | 39.66% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 101 | 26 | Work Number | Yes | 91 | 26 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.82 | N/A |
| 17569983 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.93% | 49.93% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | Yes | 3 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | N/A | 12 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 12 | 18 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - Retirement - 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.04 | N/A |
| 15305356 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.88% | 47.88% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.8 | N/A |
| 10192847 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.76% | 49.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 164 | 164 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.88 | N/A |
| 19924825 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.18% | 49.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.87 | N/A |
| 17153206 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.80% | 48.80% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 180 | 39 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.09 | N/A |
| 18332290 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.74% | 30.74% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 264 | 25 | Work Number | Yes | 229 | 25 | Work Number | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 71.55 | N/A |
| 16500194 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.77% | 49.77% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 79 | 27 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - N/A | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.89 | N/A |
| 18431761 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.90% | 49.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.06 | N/A |
| 14846143 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.46% | 45.46% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 12 | Accountant/Bookkeeper | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Wage - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.39 | N/A |
| 13462864 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.11% | 39.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50.97 | N/A |
| 16459947 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.34% | 32.34% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 70.81% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 37 | 27 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 32.32 | N/A |
| 12671200 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.18% | 17.18% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified \|\| Co Borrower - SEPartnership - Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.24 | N/A |
| 16967855 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.81% | 49.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Retirement - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.8 | N/A |
| 10808683 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.09% | 49.09% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 15 | 15 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1040 Schedule E Verified | Borrower - Executed 4506T Verified, 1040 Schedule E Verified \|\| Co Borrower - Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.85 | N/A |
| 19068711 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.93% | 49.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.97 | N/A |
| 13662566 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.18% | 42.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 11097496 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.26% | 24.26% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 16272027 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.62% | 48.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.81 | N/A |
| 14706945 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.10% | 41.10% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 75 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85 | N/A |
| 11702525 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.21% | 44.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.91 | N/A |
| 16405521 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.68% | 34.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 34 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85 | N/A |
| 12277172 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.31% | 48.31% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 78.44% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | Yes | 43 | 43 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.91 | N/A |
| 14826396 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.31% | 39.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.59 | N/A |
| 10969584 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.27% | 35.27% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.51 | N/A |
| 15180811 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.93% | 30.93% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.29 | N/A |
| 12474064 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.55% | 41.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 YR Executed 4506T Verified - 2024 | Borrower - 1 YR Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.36 | N/A |
| 14418497 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.82% | 36.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 150 | 26 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.82 | N/A |
| 19839080 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.61% | 38.61% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A |
| 15990909 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.24% | 42.24% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 360 | 27 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.99 | N/A |
| 13240450 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.94% | 47.94% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 |  |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, null Award Letter Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.26 | N/A |
| 18444877 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.32% | 46.32% | No | No |  |  |  |  |  |  | Employed | Unknown |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 151 | 27 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.24 | N/A |
| 18074278 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 16.70% | 16.70% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 8 | 15 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.19 | N/A |
| 11721443 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.18% | 49.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 121 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 42.72 | N/A |
| 15450701 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | Annually | 0.00% | 45.28% | 45.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 30 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 348 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.03 | N/A |
| 19819330 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.36% | 44.36% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 14 | CPA | N/A | N/A | 0 | Yes | 158 | No | 0 | Yes | 301 | 25 | FNMA 1005 | Yes | 173 | 26 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.47 | N/A |
| 12895245 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.75% | 34.75% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.03 | N/A |
| 11804259 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.91% | 49.91% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 1 | 0 | Yes | Yes | 1 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified - 2024 \|\| Co Borrower - Retirement, Retirement - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.19 | N/A |
| 15509947 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.69% | 33.69% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 98.36% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.13 | N/A |
| 18900419 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.17% | 49.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A |
| 19262160 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.068 | 1.068 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.99 | N/A |
| 14814486 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.35% | 41.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 62 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.91 | N/A |
| 18689167 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.24% | 25.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.14 | N/A |
| 17610430 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.09% | 42.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.4 | N/A |
| 15625488 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.35% | 40.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.81 | N/A |
| 19667486 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.54% | 24.54% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Military and Government Assistance, Other REO Net Rental Income(Loss) - Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.56 | N/A |
| 11265402 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.98% | 41.98% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.46 | N/A |
| 16406870 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.69% | 44.69% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 19 | 27 | FNMA 1005 | Yes | 21 | 21 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 69.88 | N/A |
| 16451278 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.90% | 47.90% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 35 | 35 | Work Number | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.94 | N/A |
| 18458155 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.09% | 43.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 66.07% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.26 | N/A |
| 12372000 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.56% | 40.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 14 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.7 | N/A |
| 13772309 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.63% | 35.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 12753823 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.40% | 33.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 26 | CPA |  |  |  | Yes | 199 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.97 | N/A |
| 18325699 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.18% | 48.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 104 | 26 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85.05 | N/A |
| 11084147 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.93% | 42.93% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 219 | 26 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Child Support - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SSI and Disability, Other, Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.91 | N/A |
| 12151852 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.79% | 47.79% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 64 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 13416588 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.99% | 48.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 74 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.87 | N/A |
| 11931810 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 27.98% | 27.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 87.80% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 88.36 | N/A |
| 10570453 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.66% | 48.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 90 | N/A |
| 12107383 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.293 | 1.352 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.55 | N/A |
| 17447567 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.47% | 31.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.77 | N/A |
| 12992964 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.82% | 34.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.16 | N/A |
| 14231780 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.78% | 45.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.10% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 281 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.06 | N/A |
| 12419178 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.35% | 40.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 61 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.33 | N/A |
| 14402048 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.55% | 41.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.96 | N/A |
| 14257600 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.46% | 42.46% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 14295258 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.57% | 37.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 49.83 | N/A |
| 14263432 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.24% | 24.24% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 12291952 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.331 | 1.331 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.82 | N/A |
| 16790329 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.77% | 42.77% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.34 | N/A |
| 10817947 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.66% | 49.66% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 30 | 27 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | No | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.2 | N/A |
| 14064371 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.49% | 49.49% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.63 | N/A |
| 12166712 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.26% | 35.26% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.34 | N/A |
| 19658582 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.53% | 40.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.71 | N/A |
| 10600194 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.39% | 46.39% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 282 | 27 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.59 | N/A |
| 19429798 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.84% | 41.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.69 | N/A |
| 17292800 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.44% | 47.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 96.73% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 222 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79 | N/A |
| 12588598 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.16 | 1.16 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.22 | N/A |
| 14864507 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.26% | 39.26% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | W2/1099 Verified | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.15 | N/A |
| 12496367 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.54% | 41.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.6 | N/A |
| 10038813 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.28% | 46.28% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.94 | N/A |
| 19325836 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 4.08% | 4.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.64 | N/A |
| 17450713 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.90% | 34.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 2 | Borrower |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.78 | N/A |
| 18432133 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.88% | 39.88% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 360 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.21 | N/A |
| 15882414 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.68% | 46.68% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.93 | N/A |
| 18779709 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.68% | 37.68% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 327 | 26 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 0 | 58 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.06 | N/A |
| 14594630 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.40% | 42.40% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 290 | 26 | Other | Yes | 75 | 27 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | Haitienne | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.38 | N/A |
| 14054695 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 22.88% | 22.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.26 | N/A |
| 14757499 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.96% | 40.96% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 117 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | Yes |
| 19614260 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.27% | 41.27% | No | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 2 | 1 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 47.30% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified \|\| Co Borrower - SSI and Disability - 1 YR W2 1099 Verified, Award Letter Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.84 | N/A |
| 19566122 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.92% | 49.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 56.19% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.99 | N/A |
| 18741069 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.19% | 42.19% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 282 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.67 | No |
| 17900945 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.11% | 36.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 36 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.13 | N/A |
| 15217945 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.30% | 49.30% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 124 | 26 | Work Number | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | Yes |
| 19988729 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.941 | 1.941 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A |
| 11013305 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.39% | 38.39% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 152 | 26 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other, Other REO Net Rental Income(Loss) - Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.83 | N/A |
| 14998093 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.23% | 41.23% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.61 | N/A |
| 11513846 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.79% | 44.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 222 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.9 | N/A |
| 16445320 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.26% | 42.26% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.99 | N/A |
| 10259748 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.24% | 39.24% | No | No | 1 |  | 5 |  | 3 |  | Retired | Retired | Employed |  | 3.67 |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower 2 - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.12 | N/A |
| 19877637 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.31% | 49.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 59.81 | N/A |
| 19744647 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.41% | 46.41% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | Yes | 7 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 15 | 15 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.56 | N/A |
| 16147339 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.30% | 45.30% | Yes | Yes |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other, SSI and Disability, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Award Letter Verified - 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | Yes |
| 19692026 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.73% | 45.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 108 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.98 | N/A |
| 16554133 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.32% | 41.32% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 131 | 26 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.15 | N/A |
| 10518911 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.07% | 43.07% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 108 | 26 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.67 | N/A |
| 10614531 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.38% | 47.38% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 170 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 62.97 | N/A |
| 11922944 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 50.00% | 50.00% | No | No |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SSI and Disability, Retirement - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.36 | N/A |
| 10161255 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.99% | 42.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.93 | N/A |
| 10726681 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.92% | 29.92% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 240 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.47 | N/A |
| 14725590 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.40% | 42.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 37 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.57 | N/A |
| 12991276 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.12% | 49.12% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 65 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85.98 | N/A |
| 10130022 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.12% | 32.12% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-821D Employment Authorization Document (I-821-D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.79 | N/A |
| 13813450 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.49% | 38.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 11213940 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.75% | 33.75% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 41 | 41 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Commission, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.08 | N/A |
| 19149161 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.58% | 42.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.73 | N/A |
| 13049657 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.29% | 36.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 154 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 61.55 | N/A |
| 18150464 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.11% | 42.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 3 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.68 | N/A |
| 11167858 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.211 | 1.211 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A |
| 15932619 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.40% | 34.40% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 73 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 84.43 | N/A |
| 14690391 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.88% | 33.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 17 | 17 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 18586285 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.97% | 43.97% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Third-Party Prepared (Unaudited) | Accountant/Bookkeeper | 12 | NA | 0 | No | 0 | Yes | 4 | 15 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 1 | 97 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | United States Of America | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.13 | N/A |
| 14146564 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 19.33% | 19.33% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 20 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 39.03 | N/A |
| 11566574 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.47% | 42.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 109 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.27 | Yes |
| 13758869 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 14.24% | 14.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 111 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.89 | N/A |
| 11078209 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.83% | 33.83% | No | No | 1 |  | 3 |  | 3 |  | Self-Employed | Employed | Not Employed |  | .00 |  | 1YR Full Doc | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower 2 - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 73.33 | N/A |
| 12139012 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.36% | 35.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.09 | N/A |
| 10246654 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.23% | 41.23% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 188 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 0 | 118 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.28 | N/A |
| 19138840 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.26% | 38.26% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 17 | 27 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.49 | N/A |
| 15446296 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.07% | 44.07% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.07 | N/A |
| 18670412 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.04% | 49.04% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.41 | N/A |
| 15012099 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.37% | 40.37% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - N/A \|\| Co Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.62 | N/A |
| 12514091 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.81% | 49.81% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 107 | 27 | Work Number | Yes | 105 | 27 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.12 | N/A |
| 10065939 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.22% | 37.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - 2 YRS W2 1099 Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 90 | N/A |
| 10070990 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.95% | 49.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 97 | 26 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.74 | N/A |
| 13328425 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.14% | 19.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 19560478 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.002 | 1.002 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.55 | N/A |
| 10247645 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.26% | 48.26% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.1 | N/A |
| 12506580 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.083 | 1.06 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.89 | N/A |
| 11442181 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.27% | 38.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 14 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.88 | N/A |
| 18563041 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.06% | 47.06% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | Work Number | No | 0 |  | N/A | Borrower - Other, Other, Other - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 \|\| Co Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.16 | N/A |
| 15684319 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.42% | 49.42% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | FNMA 1005 | No | 0 |  | N/A | Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025 \|\| Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.76 | N/A |
| 12571457 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.61% | 35.61% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 60 | 27 | FNMA 1005 | No | 0 |  | N/A | Borrower - Retirement - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.4 | N/A |
| 14578027 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.88% | 49.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 129 | 27 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.07 | N/A |
| 14086426 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.86% | 32.86% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.22 | N/A |
| 15268480 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.89% | 28.89% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 78 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.38 | N/A |
| 16479781 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.06% | 42.06% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 79 | 26 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85 | N/A |
| 18989609 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.68% | 38.68% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.56 | N/A |
| 16583844 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 8.55% | 8.55% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.78 | N/A |
| 17165116 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.81% | 49.81% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 68.25% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.1 | N/A |
| 16263482 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.72% | 21.72% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.79 | N/A |
| 11499457 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.48% | 49.48% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 71.33 | N/A |
| 13594318 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.21% | 27.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.58 | N/A |
| 11168186 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 5.00% | 5.00% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.13 | N/A |
| 14375194 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.72% | 42.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.35 | N/A |
| 17679535 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 9.81% | 9.81% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.2 | N/A |
| 10862782 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.66% | 37.66% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 26 | 26 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.49 | N/A |
| 17774809 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.41% | 25.41% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.24 | N/A |
| 10464159 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.50% | 34.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.79 | N/A |
| 10433053 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.82% | 42.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | United States | **xxx** | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.45 | N/A |
| 17116116 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.90% | 39.90% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 12025681 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.24% | 43.24% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.89 | N/A |
| 12935925 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.145 | 1.135 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | xxx | xxx | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.26 | N/A |
| 11587123 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.03 | 1.038 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.33 | N/A |
| 16791723 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.90% | 18.90% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.98 | N/A |
| 13637049 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.18% | 21.18% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 284 | 26 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.06 | N/A |
| 10514513 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.91% | 29.91% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 314 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.09 | N/A |
| 17757486 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.62% | 49.62% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | Yes | 60 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement, Asset Depletion - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 59.19 | N/A |
| 15537053 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.44% | 31.44% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.83 | N/A |
| 13205572 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.53% | 48.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.16 | N/A |
| 19925806 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.03 | 1.03 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A |
| 16901390 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.46% | 44.46% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 27.06 | N/A |
| 12993005 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.54% | 44.54% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.88 | N/A |
| 12222723 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.78% | 39.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 13 | CPA |  |  |  | Yes | 99 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 31.33 | N/A |
| 16311547 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.14% | 49.14% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | Mexico | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.26 | N/A |
| 19013863 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.71% | 45.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.22 | N/A |
| 16303343 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.12% | 48.12% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 127 | 127 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.96 | N/A |
| 12606905 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.04% | 42.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.92 | N/A |
| 11075549 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.63% | 23.63% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 50.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.89 | N/A |
| 19661862 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.59% | 29.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 94 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.08 | N/A |
| 11262668 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.78% | 41.78% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 41.61 | N/A |
| 15654274 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.92% | 38.92% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 229 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | AFGHANISTAN | **xxx** | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.52 | N/A |
| 15632537 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.74% | 39.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 37 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.63 | N/A |
| 12768620 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.12% | 48.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.63 | N/A |
| 19267414 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.28% | 37.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025 | Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.8 | N/A |
| 13259669 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.25% | 42.25% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 58.32% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 58.92 | N/A |
| 10585040 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.78% | 43.78% | No | No |  |  |  |  |  |  | Retired | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 1 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 15 | NA | 0 | Yes | 406 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 \|\| Co Borrower - SESoleProprietor, SSI and Disability - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.99 | N/A |
| 14276389 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.56% | 44.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 158 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.47 | N/A |
| 13511036 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.76% | 39.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 13 | 13 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Child Support - 1 YR W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Separation Agreement Verified | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.06 | N/A |
| 11472692 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.97% | 37.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 88.55 | N/A |
| 12219131 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.48% | 45.48% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 80 | N/A |
| 17350706 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 13.12% | 13.12% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | N/A | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.21 | N/A |
| 18043577 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.93% | 42.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.23 | N/A |
| 17529818 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.00% | 49.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.75 | N/A |
| 16904943 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.69% | 45.69% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 37 | 28 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.1 | N/A |
| 17199628 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.16% | 41.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 16.67 | N/A |
| 10249348 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.25% | 32.25% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.74 | N/A |
| 18759965 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.96% | 36.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A |
| 13602827 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.77% | 44.77% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.81 | N/A |
| 12605010 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.602 | 1.602 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.99 | N/A |
| 14175248 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.32% | 37.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.18 | N/A |
| 14529936 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.79% | 43.79% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 14 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.92 | Yes |
| 18244367 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.29% | 24.29% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 3 | Yes | Yes | 0 | 3 | 0.00% | 90.00% | 10.00% |  | Third-Party Prepared (Unaudited) | 3 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - 2023 \|\| Co Borrower - SESCorp - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.79 | N/A |
| 19965269 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.78% | 42.78% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.9 | N/A |
| 15358651 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 10.39% | 10.39% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.88 | N/A |
| 10019714 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.57% | 39.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 74.91 | N/A |
| 17044462 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.61% | 41.61% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 50 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.05 | N/A |
| 15552574 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.30% | 48.30% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 1YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 1 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | Borrower Prepared | 3 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024 \|\| Co Borrower - SSI and Disability, Retirement - 3 YRS Executed 4506T Verified - 2024 | Borrower - 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.79 | N/A |
| 16387461 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.08% | 48.08% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 168 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.97 | N/A |
| 14325520 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.42% | 43.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.99 | N/A |
| 10085400 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.43% | 41.43% | No | No |  |  |  |  |  |  | Not Employed | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - SSI and Disability, Retirement - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 87.44 | N/A |
| 13442438 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.09% | 40.09% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 129 | 28 | Work Number | Yes | 40 | 28 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.23 | N/A |
| 12398881 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.35% | 36.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.98 | N/A |
| 19985525 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.30% | 32.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.7 | N/A |
| 10768487 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.07% | 49.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.99 | N/A |
| 19415044 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.62% | 39.62% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 149 | 28 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65.04 | N/A |
| 13460695 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.95% | 40.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 165 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.2 | N/A |
| 12141415 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.62% | 45.62% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 58 | 26 | Work Number | Yes | 13 | 13 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.31 | N/A |
| 15214086 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.33% | 21.33% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 357 | 28 | FNMA 1005 | Yes | 341 | 28 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.46 | N/A |
| 18836556 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.30% | 49.30% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.03 | N/A |
| 12763673 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.52% | 49.52% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 79 | 28 | Work Number | Yes | 174 | 28 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.61 | N/A |
| 14376400 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.96% | 42.96% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 104 | 27 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.78 | N/A |
| 14739846 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.54% | 46.54% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.79 | N/A |
| 15534762 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.42% | 49.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 52 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 35.44 | N/A |
| 16698833 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.77% | 36.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.33 | N/A |
| 10486924 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.46% | 34.46% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.76 | N/A |
| 13217651 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.09% | 42.09% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 11 | 15 | FNMA 1005 | Yes | 162 | 27 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.01 | Yes |
| 16880244 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.052 | 1.052 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.6 | N/A |
| 17827622 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.82% | 42.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 360 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.49 | N/A |
| 13380241 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 14.26% | 14.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 194 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.68 | N/A |
| 16880215 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.59% | 43.59% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 75.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.55 | N/A |
| 11788643 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.90% | 35.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 220 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 31.76 | N/A |
| 11582460 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.19% | 43.19% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 83.9 | N/A |
| 11563481 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.35% | 34.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.99 | N/A |
| 15934438 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 7.47% | 7.47% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 94.73% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 77.64 | N/A |
| 10519127 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.02% | 29.02% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 24.42 | N/A |
| 12170319 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.85% | 34.85% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | Yes | Yes | 1 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.68 | N/A |
| 13605701 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.21% | 26.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.89 | N/A |
| 10892905 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.668 | 1.463 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.49 | N/A |
| 10996843 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.79% | 45.79% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 21 | 21 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.26 | N/A |
| 18857003 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 30.45% | 30.45% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | Yes | Yes | 1 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.74 | N/A |
| 16498786 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.44% | 44.44% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.17 | N/A |
| 18376374 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.22% | 49.22% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.16 | N/A |
| 13865311 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.66% | 40.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 181 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 82.23 | N/A |
| 15814173 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.83% | 44.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Retirement - CPA Letter Verified, Award Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.9 | N/A |
| 10544376 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.55 | N/A |
| 11342711 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.25% | 35.25% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 2 |  | NA |  | N/A | 0 |  |  | 0 | 2 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 17984354 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.58 | 1.58 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.13 | N/A |
| 12696027 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.57% | 39.57% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 31.44 | N/A |
| 16000356 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.14% | 48.14% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Other - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 53.72 | N/A |
| 11329680 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.84% | 46.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 51 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.07 | N/A |
| 11699187 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.49% | 48.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 16 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.3 | N/A |
| 18115053 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.80% | 35.80% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.88 | N/A |
| 12476125 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.89% | 45.89% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 26 | 83 | FNMA 1005 | Yes | 27 | 12 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.4 | N/A |
| 19343159 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.84% | 44.84% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.25 | N/A |
| 11734901 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.55% | 40.55% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 75 | 14 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.61 | N/A |
| 15585384 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.26% | 36.26% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 60.05% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.84 | N/A |
| 15317383 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.98% | 36.98% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.35 | N/A |
| 18203222 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.39% | 33.39% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.84 | N/A |
| 12322872 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.73% | 36.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 173 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.87 | N/A |
| 15403596 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.05% | 46.05% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.68 | N/A |
| 16302696 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.45% | 35.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 220 | No |  | Yes | 23 | 23 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, SESoleProprietor - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 41.81 | N/A |
| 11859562 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.69% | 44.69% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 360 | 27 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | No | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.16 | N/A |
| 12736350 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.87 | 0.87 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.48 | N/A |
| 11116853 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.81% | 36.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 123 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025 | Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.06 | N/A |
| 18066523 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 |  | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.013 | 1.01 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.18 | N/A |
| 18957854 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.85% | 41.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 302 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 88.23 | N/A |
| 14942507 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.34 | N/A |
| 16311152 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.214 | 1.214 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.27 | N/A |
| 15206696 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.54% | 44.54% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.23 | N/A |
| 18761426 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.81% | 44.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 14 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.99 | N/A |
| 17517680 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.34% | 42.34% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.02 | N/A |
| 15934913 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.56% | 41.56% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 187 | 28 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.76 | N/A |
| 17365146 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.57% | 38.57% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 103 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.89 | N/A |
| 12880010 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.584 | 1.59 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A |
| 13658603 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.24% | 40.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 14 | CPA |  |  |  | Yes | 35 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.51 | N/A |
| 15336359 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.11% | 40.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 74 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 46.43 | N/A |
| 18519521 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.078 | 1.078 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 45.81 | N/A |
| 18970569 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.93% | 44.93% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | Yes |  | No | No | 0 | No | Yes | N/A | 2 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 37.39 | N/A |
| 15010848 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.01% | 38.01% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 84 | 27 | FNMA 1005 | Yes | 38 | 27 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Commission - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus, Commission - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.19 | N/A |
| 18745300 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.91% | 46.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.57 | N/A |
| 13792544 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.57% | 44.57% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 4 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 28 | 26 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.1 | Yes |
| 18728848 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.73% | 44.73% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | Less than 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 225 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Commission, Other, Subject Property Net Rental Income(Loss) if NOO, Other - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.86 | N/A |
| 15840328 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.65% | 33.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 27 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.88 | Yes |
| 15588514 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.24% | 49.24% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A, Other REO Net Rental Income(Loss) \|\| Co Borrower - SESCorp - Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.91 | N/A |
| 19518155 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.72% | 41.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.24 | Yes |
| 18037317 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.57% | 32.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025 | Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.88 | N/A |
| 11414881 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.60% | 26.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.58 | N/A |
| 16907497 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.90% | 47.90% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 1 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 114 | 28 | Work Number | Yes | 44 | 27 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.82 | N/A |
| 13752541 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.50% | 41.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 31 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A |
| 10209253 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.22% | 40.22% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 60.10% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.81 | N/A |
| 19333577 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.55% | 22.55% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 1 | 0 | 1 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 49.00% | 51.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 139 | Yes | 139 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 1 YR Business Tax Returns Verified, CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - 1 YR Business Tax Returns Verified, CPA Letter Verified, Business Bank Statements Verified | Borrower - 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - 1 YR Business Tax Returns Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.62 | N/A |
| 12720929 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 29.62% | 29.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 243 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.53 | N/A |
| 12643838 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.64% | 42.64% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.76 | N/A |
| 16078134 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.406 | 1.474 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A |
| 17065949 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.81% | 27.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.16 | N/A |
| 15295324 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | Monthly | 0.00% | 48.49% | 48.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.3 | N/A |
| 10764805 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.66% | 37.66% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 1 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 30.49% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR Business Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | Borrower - 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.99 | N/A |
| 15029638 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.00% | 37.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.75 | N/A |
| 15814086 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.32% | 42.32% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 17 | Work Number | Yes | 102 | 36 | Work Number | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified \|\| Co Borrower - 1 YR Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | xxx | Mexico | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.02 | N/A |
| 19290593 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.93% | 43.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.22 | N/A |
| 10486990 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 13.21% | 13.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 80.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.95 | N/A |
| 12098005 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.69% | 41.69% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 57.92% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.12 | N/A |
| 18557521 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.29% | 38.29% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.16 | N/A |
| 19417791 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.50% | 40.50% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 43.02 | N/A |
| 11509384 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.46% | 41.46% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 85 | 12 | Work Number | Yes | 85 | 28 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | xxx | xxx | 7 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 82.88 | N/A |
| 16515815 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.31% | 41.31% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 70 | 12 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.74 | N/A |
| 11430316 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.45% | 49.45% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  | xxx | 180 | 38 | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.88 | N/A |
| 19458139 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.29% | 48.29% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 27 | 27 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.35 | N/A |
| 17969478 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.16% | 32.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 62.9 | N/A |
| 19587471 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.00% | 45.00% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 82.76% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 240 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability - CPA Letter Verified, Award Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SSI and Disability - Award Letter Verified - 2025 | Borrower \|\| Co Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | USA | **xxx** | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.58 | N/A |
| 18924252 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.19% | 41.19% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 \|\| Co Borrower - SESoleProprietor - 1040 Schedule E Verified - 2024 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 \|\| Co Borrower - 1040 Schedule E Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.19 | N/A |
| 16020969 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.98% | 36.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 278 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.99 | N/A |
| 10400980 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.23% | 17.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.73 | N/A |
| 19697561 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.66% | 49.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 2 |  |  | 2 | 1 | Yes |  | No | Yes | 6 | No | Yes | Yes | 1 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SSI and Disability, Asset Depletion, Other - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 27.45 | N/A |
| 17917785 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.97% | 47.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 192 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.82 | N/A |
| 17848066 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 9.84% | 9.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 42.88 | N/A |
| 11457931 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 26.59% | 26.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 181 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.88 | N/A |
| 15353253 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.24% | 37.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.18 | N/A |
| 13502161 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.449 | 1.448 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A |
| 17148022 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.238 | 1.238 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A |
| 12024558 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.037 | 0.951 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.44 | N/A |
| 15745868 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.69 | N/A |
| 17652766 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.87% | 47.87% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 100.00% | 51.00% | 49.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | Yes | 60 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.64 | N/A |
| 19048646 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.18% | 19.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.32 | N/A |
| 15078760 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.07% | 30.07% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 8 | 8 | FNMA 1005 | Yes | 90 | 15 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.87 | N/A |
| 13260906 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.34% | 33.34% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 95.00% | 0.00% |  | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 \|\| Co Borrower - N/A - 1 YR Personal Tax Returns Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.96 | N/A |
| 16512924 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.89% | 19.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.6 | N/A |
| 18741493 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 20.42% | 20.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 156 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.4 | N/A |
| 18748602 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.87% | 26.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.87 | N/A |
| 19933502 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.15% | 35.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.98 | N/A |
| 11278892 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.32% | 41.32% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.97 | N/A |
| 10464421 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.48% | 48.48% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | Yes | 84 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 5 | 5 | Other | No | 0 |  | N/A | Borrower - Wage, Wage, Wage, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Wage, Asset Depletion - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 10148114 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.98% | 33.98% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.12 | N/A |
| 16336671 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.51% | 42.51% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.93 | N/A |
| 12104113 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.40% | 32.40% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.62 | N/A |
| 14306572 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.09% | 33.09% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 74 | 26 | FNMA 1005 | Yes | 77 | 27 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.77 | N/A |
| 12071525 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.04% | 48.04% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 76 | 27 | Work Number | Yes | 34 | 27 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus, Other - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.22 | N/A |
| 16431875 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.78% | 35.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 14103170 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 2.26% | 2.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.78 | N/A |
| 16366253 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.98% | 43.98% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 5 | 5 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.99 | N/A |
| 10701773 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.46% | 46.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 2 | NA |  | No | Yes | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 28 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Asset Depletion, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 34.57 | N/A |
| 18101471 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.564 | 1.564 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 46.42 | N/A |
| 11912306 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.01% | 43.01% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.99 | N/A |
| 14555520 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.66% | 19.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 168 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.58 | N/A |
| 18089007 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.93% | 34.93% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 51 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 43.74 | N/A |
| 13554218 | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.84% | 43.84% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 5 | 5 | Work Number | Yes | 185 | 28 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.46 | N/A |
| 11367735 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.60% | 40.60% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.74 | N/A |
| 19165195 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.91% | 21.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A |
| 14815954 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.60% | 47.60% | No | No | 1 |  | 5 |  | 3 |  | Not Employed | Employed | Employed |  | 12.80 |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A - 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower 2 - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A |
| 13687420 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.00% | 37.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 40 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.97 | N/A |
| 15373810 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.03% | 48.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 110 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.89 | N/A |
| 13437980 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 31.04% | 31.04% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 43 | 28 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.76 | N/A |
| 17701210 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.85% | 43.85% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.85 | N/A |
| 10087425 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.17% | 39.17% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.2 | N/A |
| 18127831 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.36% | 41.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.75 | N/A |
| 16243693 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.00% | 40.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 73 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESCorp, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.06 | N/A |
| 13466620 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.67% | 40.67% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 175 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.58 | N/A |
| 15986945 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.08% | 41.08% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.51 | N/A |
| 10205540 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.35% | 43.35% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.71 | N/A |
| 19589318 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.60% | 41.60% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 261 | 27 | Work Number | Yes | 262 | 27 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.77 | N/A |
| 11053305 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.53% | 40.53% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 28 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.23 | N/A |
| 11725648 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.19% | 40.19% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.8 | N/A |
| 11068704 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.14% | 49.14% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Military and Government Assistance, Military and Government Assistance - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.87 | N/A |
| 14940931 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.36% | 43.36% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Audited | Accountant/Bookkeeper | 15 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.56 | N/A |
| 11250616 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.15% | 32.15% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 227 | 27 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.66 | N/A |
| 14230541 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.313 | 1.588 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.5 | N/A |
| 11182366 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.49% | 38.49% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 360 | 28 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.76 | N/A |
| 12349430 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien |  |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.34 | N/A |
| 13244314 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.15% | 47.15% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 70 | 27 | FNMA 1005 | Yes | 70 | 27 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.63 | N/A |
| 13436061 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.47% | 36.47% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.88 | N/A |
| 14917543 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1.003 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien |  |  | Real ID Driver's License |  | xxx | Jamaica | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 15045124 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.81% | 31.81% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 194 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.71 | N/A |
| 15856109 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.72% | 31.72% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 1 | 2 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified - 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.8 | N/A |
| 17596955 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.235 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | Yes |
| 11915383 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 31.92% | 31.92% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.98 | N/A |
| 15926618 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.50% | 42.50% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.69 | N/A |
| 19699553 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.71% | 39.71% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 14 | 24 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 15436070 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.36% | 49.36% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 17 | 17 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.69 | N/A |
| 16253130 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 14.28% | 14.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.24 | Yes |
| 18783962 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 24.02% | 24.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 40.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.58 | N/A |
| 18852979 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.34% | 43.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 69.76 | N/A |
| 15346668 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.56% | 47.56% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 73 | 29 | FNMA 1005 | Yes | 76 | 29 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Wage, Other REO Net Rental Income(Loss), Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified \|\| Co Borrower - Wage, Overtime and Bonus, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.11 | N/A |
| 10408411 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.446 | 1.446 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.81 | N/A |
| 13630448 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.59% | 27.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.45 | N/A |
| 19124701 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.56% | 49.56% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, IRS Transcripts Verified, Missing Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.69 | N/A |
| 17546688 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.76% | 31.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.91 | N/A |
| 12101279 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 17.54% | 17.54% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.18 | N/A |
| 11117440 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.21% | 27.21% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 2 | 1 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.71 | N/A |
| 14019170 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.33% | 32.33% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien |  | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  | xxx | Permanent Resident Alien | Permanent Resident Alien |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.81 | N/A |
| 14479238 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.76% | 37.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A |
| 19354833 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.698 | 1.698 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.18 | N/A |
| 18925109 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.87% | 39.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.74 | N/A |
| 18986439 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.45% | 32.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 33.87 | N/A |
| 18786301 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.997 | 0.87 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.65 | N/A |
| 12175215 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.82% | 44.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.78 | N/A |
| 18016369 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 27.56% | 27.56% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 91 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 46.75 | N/A |
| 19698993 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.80% | 41.80% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 313 | 28 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.95 | N/A |
| 11993949 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.98% | 41.98% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.67 | N/A |
| 15585066 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.16% | 49.16% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.85 | N/A |
| 10121475 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.45% | 37.45% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.25 | N/A |
| 16380875 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.39% | 48.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.49 | N/A |
| 18690794 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.46% | 37.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A |
| 18129599 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.21% | 48.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50.76 | N/A |
| 10854784 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.90% | 45.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 13 | 13 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.93 | N/A |
| 11169185 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.33% | 42.33% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.36 | N/A |
| 13354973 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.68% | 47.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 81.3 | N/A |
| 14619617 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.19% | 41.19% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | Yes | N/A | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 35 | Yes | 37 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.6 | N/A |
| 17507716 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.82% | 23.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 58.59 | N/A |
| 10099967 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.31% | 44.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 95.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 155 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien |  | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.77 | N/A |
| 10256461 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.07% | 38.07% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Documentation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, Other REO Net Rental Income(Loss) - Award Letter Verified - 2025 | Borrower - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 57.36 | N/A |
| 13409063 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.30% | 33.30% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 30.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 49 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A |
| 18493126 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.94% | 47.94% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.86 | N/A |
| 10440327 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.35% | 42.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 71.89% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Retirement - CPA Letter Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 37.28 | N/A |
| 14454760 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.007 | 1.007 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.92 | N/A |
| 17476367 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.08% | 37.08% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 15 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.5 | N/A |
| 14786503 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.82% | 34.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien |  | N/A | Other | USA Patriot Act | xxx | Israel | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.88 | N/A |
| 18347062 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.21% | 17.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 103 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.69 | N/A |
| 19046210 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.14% | 36.14% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 32.01 | N/A |
| 12745747 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.49% | 46.49% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 0 | 3 | 1 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 305 | 28 | Work Number | No | 0 |  | N/A | Borrower - Wage, SSI and Disability, Other, Other, Retirement, Other, SEPartnership - 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Wage, SSI and Disability - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 60.18 | N/A |
| 11904096 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.96% | 26.96% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 21 | 29 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 83.61 | N/A |
| 11626222 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.97% | 43.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 84 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.32 | N/A |
| 19697596 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.03% | 41.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 74 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.99 | N/A |
| 16454329 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 24.28% | 24.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 50 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.97 | N/A |
| 17385827 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.58% | 30.58% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 53 | 53 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.62 | N/A |
| 16285476 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.39% | 38.39% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 137 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.47 | N/A |
| 13498923 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.04% | 42.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 127 | 28 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 12939319 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.69% | 35.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 154 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.69 | N/A |
| 19589611 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.38% | 22.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien |  | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.9 | N/A |
| 16722031 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.47% | 48.47% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 1 | 93 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.96 | N/A |
| 16462074 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.92% | 44.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.88 | Yes |
| 11015785 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.30% | 48.30% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 16644456 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.87% | 35.87% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.81 | N/A |
| 15837192 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.03% | 30.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 342 | 27 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85 | N/A |
| 17475972 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.10% | 29.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | No | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A |
| 18744451 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.03% | 22.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 73.1 | N/A |
| 14274503 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.154 | 1.154 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.27 | N/A |
| 17742508 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.34% | 41.34% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, Executed 4506T Verified \|\| Co Borrower - SSI and Disability - 2 YRS W2 1099 Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 0 | 96 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 30.09 | N/A |
| 14079071 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.43% | 39.43% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 1 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.37 | Yes |
| 18231759 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.87% | 26.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 14 | CPA |  |  |  | Yes | 220 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.22 | N/A |
| 10819636 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.14% | 43.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.21 | N/A |
| 10446512 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.02 | 1 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.84 | N/A |
| 13216642 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.05% | 48.05% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.83 | N/A |
| 13816374 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 1.30% | 1.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 84.88 | N/A |
| 19860100 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.23% | 22.23% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.98 | N/A |
| 11865622 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.24% | 40.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.8 | N/A |
| 12751613 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.77% | 31.77% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower | Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 48.1 | N/A |
| 11258680 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 15.02% | 15.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 110 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.87 | N/A |
| 17761423 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.35% | 33.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien |  |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.71 | N/A |
| 11640616 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.302 | 1.28 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.89 | N/A |
| 17801558 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.52% | 41.52% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 43.91 | N/A |
| 16986429 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.49% | 39.49% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.98 | N/A |
| 19913108 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.42% | 39.42% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 39 | 28 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.59 | N/A |
| 18276058 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.47% | 40.47% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 15 | 15 | Work Number | Yes | 264 | 28 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.02 | N/A |
| 15903646 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 4.00% | 4.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 16 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | USA | **xxx** | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.9 | N/A |
| 15205486 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.73% | 33.73% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 285 | 285 | Work Number | No | 0 |  |  | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.3 | N/A |
| 11295788 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 29.67% | 29.67% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 15 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.75 | N/A |
| 14736015 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.83% | 46.83% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 89.89 | N/A |
| 17681369 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.20% | 41.20% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.56 | N/A |
| 13690304 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.47% | 45.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.77 | N/A |
| 18049024 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 10.67% | 10.67% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 112 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.01 | N/A |
| 19498835 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.13% | 41.13% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2025 \|\| Co Borrower - Retirement, SSI and Disability - 2 YRS Executed 4506T Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.55 | N/A |
| 17246585 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.25% | 26.25% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 41 | 29 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85 | N/A |
| 19705211 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.25% | 42.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 46.6 | N/A |
| 16862895 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.24% | 45.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 83.4 | N/A |
| 17823654 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.84% | 40.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.73 | N/A |
| 17705140 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.57% | 29.57% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - 2025 | Borrower - 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.52 | N/A |
| 19398401 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.72% | 49.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 268 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.75 | N/A |
| 14834834 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.84% | 40.84% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 148 | 29 | Work Number | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.86 | N/A |
| 12385938 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.004 | 1.004 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.51 | N/A |
| 17396764 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 9.93% | 9.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.38 | N/A |
| 15432250 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.84% | 49.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 75 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien |  |  | Other |  | xxx | Pakistan | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.99 | Yes |
| 15858324 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.65% | 31.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 27.28% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.93 | N/A |
| 15824237 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.07% | 37.07% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 3 | 4 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.33 | N/A |
| 14527575 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.15% | 49.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | Borrower - 1 YR Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.4 | N/A |
| 17722744 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.00% | 39.00% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 95.00% | 5.00% |  | Third-Party Prepared (Unaudited) | 15 | Tax Preparer | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, SESCorp, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SESCorp, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.53 | N/A |
| 18128073 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.73% | 23.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 14 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.94 | N/A |
| 11176264 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.81% | 48.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 38.08 | N/A |
| 11766032 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.46% | 19.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.76 | N/A |
| 12895988 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.85% | 23.85% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.73 | N/A |
| 15376607 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.43% | 43.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 13 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.74 | N/A |
| 10047471 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.18% | 49.18% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 38.1 | N/A |
| 10721827 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.12% | 46.12% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 35.49 | N/A |
| 15902939 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.90% | 49.90% | Yes | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 12 | 0 | 69.76% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 36 | Yes | 176 | 28 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Lease Agreements Verified \|\| Co Borrower - SECorporation - CPA Letter Verified, Personal Bank Statements Verified, Lease Agreements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 45.8 | N/A |
| 16891980 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.42% | 37.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 17168378 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.53% | 47.53% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.93 | N/A |
| 18528943 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.25% | 49.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 13 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.81 | N/A |
| 14726414 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.54% | 43.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.23 | N/A |
| 14907778 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.041 | 1.041 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.36 | N/A |
| 11624503 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.973 | 2.186 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 31.64 | N/A |
| 18607514 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.10% | 37.10% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 100.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 39 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien |  | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A |
| 13379534 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.22% | 46.22% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | Yes | 80 | No | Yes | Yes | 0 | 24 | No |  |  |  | 30.28% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Asset Depletion, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 71.77 | N/A |
| 19826982 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.80% | 45.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.68 | N/A |
| 13309631 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 8.50% | 8.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.78 | N/A |
| 18029396 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.66% | 24.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.96 | N/A |
| 17667786 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.94% | 41.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | Yes | 84 | No | Yes | Yes | 0 | 12 | No |  |  |  | 71.20% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Asset Depletion - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.89 | N/A |
| 10517808 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.03% | 42.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.22 | N/A |
| 17297664 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.25% | 22.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50.63 | N/A |
| 16878715 | xxx | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx | No AUS |  | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.28% | 38.28% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A |

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## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 11033534 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15810127 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 12756133 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15106488 | xxx | xxx | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16779489 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15144075 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18112751 | xxx | xxx | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 16898352 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 17630328 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 15100964 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11841028 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 16596346 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13275728 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19931313 | xxx | xxx | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11611769 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18507930 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12599442 | xxx | xxx | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19354948 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17457029 | xxx | xxx | xxx | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18114177 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12199125 | xxx | xxx | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17889591 | xxx | xxx | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13256404 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16686281 | xxx | xxx | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18332962 | xxx | xxx | xxx | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 18770698 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 11224596 | xxx | xxx | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 18274429 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17468613 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16582318 | xxx | xxx | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13560153 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10009073 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 14540371 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16146977 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | No | No | No | No | Not Tested |  | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11894605 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15413860 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | Yes | No | No | No | No | No | No | No | No | Not Tested |  | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 10800514 | xxx | xxx | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 16919523 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18611771 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14220866 | xxx | xxx | xxx | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 16823754 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13181072 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 14670864 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | N/A | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15080012 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12484496 | xxx | xxx | xxx | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13017772 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19418350 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 15510979 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11249929 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 12732749 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14299112 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11687486 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15795471 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18818683 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 11645136 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 11702900 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13517996 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13078836 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19082908 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18724672 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 17588157 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 19470434 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19456563 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13561817 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11990492 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14226155 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16536009 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18771197 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14687491 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 13787750 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12448705 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16572306 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17857054 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 19291640 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14727082 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13827497 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | N/A | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11429613 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 16262012 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15439394 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 14524104 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17354295 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Retired | Retired | No | No | No |  |
| 19904599 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12949342 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11137889 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16106039 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15656488 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11085715 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11795637 | xxx | xxx | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18812824 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16138433 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19183225 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 11571787 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18075600 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 14001554 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 12618340 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15101890 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16470350 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13707828 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13388067 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10968362 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14891739 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 10051628 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19044507 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10137932 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19275161 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19106400 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18646272 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12077235 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 19835747 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Retired |  | No |  | Yes | Present |
| 19682940 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11584218 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15690228 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14916597 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 16515923 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 13197997 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16317910 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10400959 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16356274 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17081698 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12903079 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15606452 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 15283377 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 13659585 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15811570 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed |  | No |  | No |  |
| 18479794 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12688669 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19159896 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18686653 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16885191 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12390582 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19067194 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13612321 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 10915462 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16168824 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15319711 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12541219 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15232110 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 16711312 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 12350720 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11734191 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19861386 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11151228 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17320795 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 16987725 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11607023 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13409524 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 12837155 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 10821042 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17830799 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19806250 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Not Employed | No | No | No |  |
| 10321131 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10822364 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19083970 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17179864 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Retired |  | No |  | No |  |
| 19676060 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 14173634 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14897520 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12332126 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19806461 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15744560 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17944462 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Retired |  | No |  | No |  |
| 14199920 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18508838 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 16467041 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16628381 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13096270 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 18150128 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11330523 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 14543210 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 12187840 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13864733 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 12623597 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12594209 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 18791821 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Retired | No | No | Yes | Present |
| 19322378 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12082533 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 17242534 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16971462 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 19983858 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 13298825 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12350234 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 10261261 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10342337 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17701377 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16987571 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18948113 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 18979575 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12190440 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18353500 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 10159689 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19541631 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 10159657 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10158744 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 10169566 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15889027 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10955196 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 12395857 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14196390 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 19845135 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11795061 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 16264293 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16547397 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14738390 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 17390567 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16452400 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 12022263 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17753795 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 12955456 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14087712 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 11090039 | xxx | xxx | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 14039887 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19024790 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 14789543 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14075474 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14745848 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17589659 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12411278 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16387913 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 12300213 | xxx | xxx | xxx | 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 | Yes | Yes | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16707346 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10675213 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19559235 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11292849 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14836438 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18742671 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15909401 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16903878 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14945383 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14134535 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12156809 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 12098752 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12544974 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12409278 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10298661 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19564310 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10466240 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15008487 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12088148 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18525382 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17248474 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14141124 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19259837 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 18207055 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 10507952 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 12840968 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 12285422 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 18005728 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19635823 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16019766 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 11414043 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16328395 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16932615 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13095280 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18583947 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 10943973 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15839168 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17997247 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12491788 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15914354 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19491353 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18922151 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17759985 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11944198 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 10632769 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 15147454 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14683866 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16705921 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 14792416 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12890795 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18806247 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11089492 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14332871 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18575625 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13331332 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10193556 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 15833391 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17629644 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10664315 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Not Employed | No | No | No |  |
| 11990175 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13276991 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14697562 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 11229125 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10745069 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19162513 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16626676 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16869660 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11476794 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 15793756 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12973465 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19241439 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 18867477 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11865938 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12869862 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13052227 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 13927219 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12060669 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15264340 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 17050497 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 11072523 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12624888 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 16667083 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11689920 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 14462932 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12346311 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14892745 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18066673 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10421342 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12633099 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17569983 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 15305356 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 10192847 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19924825 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17153206 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18332290 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16500194 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 18431761 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14846143 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13462864 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16459947 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12671200 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16967855 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10808683 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 19068711 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13662566 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11097496 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16272027 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14706945 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 11702525 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16405521 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 12277172 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 14826396 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10969584 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15180811 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 12474064 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14418497 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19839080 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 15990909 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 13240450 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Not Employed |  | No |  | No |  |
| 18444877 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 18074278 | xxx | xxx | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11721443 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15450701 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19819330 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12895245 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11804259 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 15509947 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | Yes | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18900419 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19262160 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 14814486 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18689167 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17610430 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15625488 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19667486 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 11265402 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16406870 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16451278 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18458155 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12372000 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13772309 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12753823 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18325699 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11084147 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 12151852 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13416588 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11931810 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10570453 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12107383 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 17447567 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12992964 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14231780 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12419178 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14402048 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14257600 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 14295258 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14263432 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12291952 | xxx | xxx | xxx | 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 | N/A | xxx |  |  |  | No |  | Yes | Present |
| 16790329 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10817947 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 14064371 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed |  | No |  | No |  |
| 12166712 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19658582 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10600194 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19429798 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17292800 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12588598 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 14864507 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12496367 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 10038813 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19325836 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17450713 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18432133 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15882414 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18779709 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14594630 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14054695 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 14757499 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19614260 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19566122 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18741069 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 17900945 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15217945 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19988729 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 11013305 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 14998093 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11513846 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16445320 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 10259748 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 19877637 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19744647 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16147339 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 19692026 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16554133 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10518911 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10614531 | xxx | xxx | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11922944 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Unknown | Unknown | No | No | No |  |
| 10161255 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10726681 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14725590 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12991276 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10130022 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 13813450 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11213940 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19149161 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13049657 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18150464 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11167858 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 15932619 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 14690391 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18586285 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14146564 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 11566574 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13758869 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11078209 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12139012 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10246654 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19138840 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15446296 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18670412 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15012099 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 12514091 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 10065939 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10070990 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13328425 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19560478 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 10247645 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12506580 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 11442181 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18563041 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 15684319 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 12571457 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 14578027 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14086426 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15268480 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16479781 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18989609 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 16583844 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 17165116 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16263482 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11499457 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 13594318 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11168186 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 14375194 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17679535 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 10862782 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 17774809 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 10464159 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 10433053 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17116116 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12025681 | xxx | xxx | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12935925 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A |  |  | No |  | Yes | Present |
| 11587123 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 16791723 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13637049 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10514513 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17757486 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed |  | No |  | No |  |
| 15537053 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13205572 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19925806 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 16901390 | xxx | xxx | xxx | 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 | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12993005 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12222723 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16311547 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19013863 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16303343 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12606905 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11075549 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19661862 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11262668 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15654274 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 15632537 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12768620 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19267414 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13259669 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10585040 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 14276389 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13511036 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 11472692 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12219131 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17350706 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18043577 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17529818 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16904943 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 17199628 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10249348 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18759965 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13602827 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12605010 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 14175248 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14529936 | xxx | xxx | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18244367 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19965269 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15358651 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 10019714 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17044462 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15552574 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 16387461 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14325520 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10085400 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Retired | No | No | No |  |
| 13442438 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12398881 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19985525 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10768487 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19415044 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13460695 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12141415 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15214086 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18836556 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Retired |  | No |  | No |  |
| 12763673 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14376400 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14739846 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15534762 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16698833 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10486924 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 13217651 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16880244 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 17827622 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13380241 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16880215 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11788643 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11582460 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11563481 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15934438 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10519127 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 12170319 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 13605701 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10892905 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 10996843 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18857003 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16498786 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18376374 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13865311 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 15814173 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10544376 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 11342711 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 17984354 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 12696027 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16000356 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 11329680 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11699187 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18115053 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12476125 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19343159 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 11734901 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15585384 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15317383 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18203222 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12322872 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 15403596 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 16302696 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11859562 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12736350 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 11116853 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18066523 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 18957854 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14942507 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 16311152 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A |  |  | No |  | Yes | Present |
| 15206696 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18761426 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17517680 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15934913 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 17365146 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12880010 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 13658603 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15336359 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18519521 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 18970569 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 15010848 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18745300 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13792544 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18728848 | xxx | xxx | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15840328 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | No | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 15588514 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 19518155 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18037317 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11414881 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16907497 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13752541 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10209253 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19333577 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12720929 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12643838 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16078134 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 17065949 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15295324 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10764805 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15029638 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15814086 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 19290593 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10486990 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12098005 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18557521 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19417791 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11509384 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16515815 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11430316 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19458139 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17969478 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19587471 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 18924252 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16020969 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10400980 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19697561 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17917785 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17848066 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11457931 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15353253 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13502161 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 17148022 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 12024558 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 15745868 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 17652766 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19048646 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15078760 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13260906 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 16512924 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18741493 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18748602 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19933502 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11278892 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | Yes | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 10464421 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10148114 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16336671 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12104113 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14306572 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12071525 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16431875 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14103170 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16366253 | xxx | xxx | xxx | 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 | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 10701773 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18101471 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 11912306 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14555520 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18089007 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 13554218 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11367735 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19165195 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14815954 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 13687420 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15373810 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13437980 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17701210 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 10087425 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18127831 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16243693 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13466620 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15986945 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10205540 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19589318 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11053305 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11725648 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11068704 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14940931 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11250616 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14230541 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 11182366 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12349430 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 13244314 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13436061 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14917543 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 15045124 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15856109 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17596955 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 11915383 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15926618 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19699553 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 15436070 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16253130 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18783962 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18852979 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15346668 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10408411 | xxx | xxx | xxx | 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 | N/A | xxx |  |  |  | No |  | Yes | Present |
| 13630448 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19124701 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17546688 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12101279 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 11117440 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14019170 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 14479238 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19354833 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 18925109 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18986439 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18786301 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 12175215 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18016369 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19698993 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11993949 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15585066 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10121475 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16380875 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18690794 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18129599 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10854784 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11169185 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13354973 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14619617 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17507716 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10099967 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10256461 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 13409063 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18493126 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 10440327 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14454760 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No | No | Yes | Present |
| 17476367 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14786503 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18347062 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19046210 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12745747 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11904096 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11626222 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19697596 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16454329 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17385827 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16285476 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13498923 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12939319 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19589611 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16722031 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | N/A | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16462074 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11015785 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16644456 | xxx | xxx | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15837192 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17475972 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18744451 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14274503 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 17742508 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 14079071 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18231759 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10819636 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10446512 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 13216642 | xxx | xxx | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 13816374 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19860100 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11865622 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12751613 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 11258680 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17761423 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11640616 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 17801558 | xxx | xxx | xxx | 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 | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16986429 | xxx | xxx | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19913108 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18276058 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15903646 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15205486 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11295788 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 14736015 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 17681369 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13690304 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18049024 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19498835 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 17246585 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19705211 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16862895 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17823654 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17705140 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19398401 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14834834 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12385938 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 17396764 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15432250 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15858324 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15824237 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14527575 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17722744 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 18128073 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11176264 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11766032 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12895988 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15376607 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10047471 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 10721827 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15902939 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 16891980 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17168378 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18528943 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14726414 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14907778 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 11624503 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 18607514 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13379534 | xxx | xxx | xxx | 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 | Yes | Yes | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19826982 | xxx | xxx | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13309631 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18029396 | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17667786 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10517808 | xxx | xxx | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17297664 | xxx | xxx | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16878715 | xxx | xxx | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |

---

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 6**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 14864507 | xxx | xxx | xxx | Borrower 1 First Name | xxx | xxx |  |
| 14917543 | xxx | xxx | xxx | Calculated DSCR | xxx | xxx |  |
| 17596955 | xxx | xxx | xxx | Calculated DSCR | xxx | xxx |  |
| 17390567 | xxx | xxx | xxx | Application Date | xxx | xxx |  |
| 16686281 | xxx | xxx | xxx | Application Date | xxx | xxx |  |
| 16146977 | xxx | xxx | xxx | Application Date | xxx | xxx |  |
| 12594209 | xxx | xxx | xxx | Note Date | xxx | xxx |  |
| 13298825 | xxx | xxx | xxx | Note Date | xxx | xxx |  |
| 12350234 | xxx | xxx | xxx | Note Date | xxx | xxx |  |
| 12349430 | xxx | xxx | xxx | Note Date | xxx | xxx |  |
| 14917543 | xxx | xxx | xxx | Note Date | xxx | xxx |  |
| 14146564 | xxx | xxx | xxx | Note Date | xxx | xxx |  |
| 15839168 | xxx | xxx | xxx | Occupancy | xxx | xxx |  |
| 16147339 | xxx | xxx | xxx | Occupancy | xxx | xxx |  |
| 18670412 | xxx | xxx | xxx | Occupancy | xxx | xxx |  |
| 12107383 | xxx | xxx | xxx | Prepayment Penalty | xxx | xxx |  |
| 16880244 | xxx | xxx | xxx | Prepayment Penalty | xxx | xxx |  |
| 15824237 | xxx | xxx | xxx | Property Address | xxx | xxx |  |
| 16515923 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 11607023 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 16971462 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 12350234 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 17589659 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 10675213 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 19559235 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 14836438 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 18207055 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 19491353 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 11944198 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 18806247 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 14332871 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 11229125 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 10745069 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 15264340 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 12107383 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 14257600 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 14757499 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 19988729 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 12506580 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 17774809 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 12605010 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 16698833 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| #N/A | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 10892905 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 10544376 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 17984354 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 12736350 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 17365146 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 12880010 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 18970569 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 16078134 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 15353253 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 13502161 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 17148022 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 19933502 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 18089007 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 10408411 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 19354833 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 14274503 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 11640616 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 17722744 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 11176264 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 14907778 | xxx | xxx | xxx | Property Type | xxx | xxx |  |
| 14230541 | xxx | xxx | xxx | Qualifying CLTV | xxx | xxx |  |
| 14792416 | xxx | xxx | xxx | Qualifying CLTV | xxx | xxx |  |
| 16302696 | xxx | xxx | xxx | Qualifying CLTV | xxx | xxx |  |
| 12606905 | xxx | xxx | xxx | Qualifying CLTV | xxx | xxx |  |
| 10745069 | xxx | xxx | xxx | Qualifying CLTV | xxx | xxx |  |
| 11250616 | xxx | xxx | xxx | Qualifying CLTV | xxx | xxx |  |
| 17320795 | xxx | xxx | xxx | Qualifying CLTV | xxx | xxx |  |
| 11566574 | xxx | xxx | xxx | Qualifying CLTV | xxx | xxx |  |
| 15029638 | xxx | xxx | xxx | Qualifying CLTV | xxx | xxx |  |
| 10247645 | xxx | xxx | xxx | Qualifying CLTV | xxx | xxx |  |
| 15446296 | xxx | xxx | xxx | Qualifying CLTV | xxx | xxx |  |
| 13511036 | xxx | xxx | xxx | Qualifying CLTV | xxx | xxx |  |
| 17468613 | xxx | xxx | xxx | Qualifying FICO | xxx | xxx |  |
| 11687486 | xxx | xxx | xxx | Qualifying FICO | xxx | xxx |  |
| 19183225 | xxx | xxx | xxx | Qualifying FICO | xxx | xxx |  |
| 16711312 | xxx | xxx | xxx | Qualifying FICO | xxx | xxx |  |
| 15012099 | xxx | xxx | xxx | Qualifying FICO | xxx | xxx |  |
| 11499457 | xxx | xxx | xxx | Qualifying FICO | xxx | xxx |  |
| 13217651 | xxx | xxx | xxx | Qualifying FICO | xxx | xxx |  |
| 18376374 | xxx | xxx | xxx | Qualifying FICO | xxx | xxx |  |
| 11725648 | xxx | xxx | xxx | Qualifying FICO | xxx | xxx |  |
| 11182366 | xxx | xxx | xxx | Qualifying FICO | xxx | xxx |  |
| 15029638 | xxx | xxx | xxx | Qualifying LTV | xxx | xxx |  |
| 15446296 | xxx | xxx | xxx | Qualifying LTV | xxx | xxx |  |
| 16904943 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15436070 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12763673 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16147339 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15889027 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12071525 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12098752 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11922944 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18670412 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14086426 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18276058 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16470350 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15232110 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17681369 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11090039 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16536009 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17044462 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19913108 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18127831 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11582460 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10955196 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11993949 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14578027 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12187840 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15403596 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10121475 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12633099 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16317910 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14739846 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16479781 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14376400 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19068711 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10321131 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 13466620 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19138840 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16907497 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16336671 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16328395 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12688669 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10192847 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12745747 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18791821 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14670864 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15008487 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14276389 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15909401 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16500194 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12088148 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16790329 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10148114 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14543210 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12141415 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14725590 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18771197 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16932615 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19839080 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15926618 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12837155 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17081698 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11865938 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18586285 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16515815 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11265402 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16387461 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 13498923 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15744560 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11509384 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12409278 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19564310 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18203222 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12618340 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19044507 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12419178 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12939319 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17468613 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10726681 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10518911 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14687491 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16262012 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15990909 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14325520 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10169566 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14891739 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17830799 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10817947 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18611771 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17997247 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14001554 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11626222 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16406870 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15305356 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19667486 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19698993 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18479794 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14789543 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17179864 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14690391 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14945383 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17116116 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11414043 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19322378 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11841028 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18779709 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12955456 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19024790 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18112751 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10822364 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11571787 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18332290 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10158744 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10433053 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15811570 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10159657 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15205486 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12322872 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11788643 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12544974 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12895245 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10159689 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10808683 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15986945 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18043577 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15080012 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10246654 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19877637 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15317383 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16903878 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14306572 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12350720 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15552574 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14826396 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16138433 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10514513 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10193556 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14594630 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14736015 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12104113 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12151852 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12300213 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10161255 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15373810 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16823754 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12992964 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14039887 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11734191 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18563041 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11084147 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18075600 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17385827 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14220866 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19744647 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11804259 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16356274 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16919523 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19417791 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18431761 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11990175 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14527575 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19415044 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15585066 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10614531 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12514091 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 13707828 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19699553 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17365146 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11904096 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11182366 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 13637049 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15078760 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16285476 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18005728 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 13442438 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10400959 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10821042 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11295788 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 13388067 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18274429 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14141124 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15214086 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19589318 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16168824 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 13380241 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10915462 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10466240 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15934913 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14897520 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16554133 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14916597 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14940931 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11053305 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12398881 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14418497 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17917785 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12491788 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10259748 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16711312 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17153206 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17629644 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12166712 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15268480 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10051628 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10585040 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17354295 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15824237 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12643838 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 13554218 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17944462 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14087712 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15833391 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12175215 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16791723 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15810127 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16263482 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17529818 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19819330 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 13460695 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15684319 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14846143 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17753795 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15439394 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14706945 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11865622 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| #N/A | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14263432 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18857003 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17761423 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12624888 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 13052227 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12219131 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16445320 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15264340 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12720929 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16462074 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 13511036 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16302696 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18128073 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14462932 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 12077235 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 13927219 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17050497 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 19860100 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 14479238 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10745069 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15837192 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 13298825 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18948113 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17742508 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11089492 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17447567 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 18583947 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 16986429 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 10675213 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 11645136 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 17246585 | xxx | xxx | xxx | Qualifying Total Debt Income Ratio | xxx | xxx |  |
| 15101890 | xxx | xxx | xxx | Verified Doc Type | xxx | xxx |  |
| 16356274 | xxx | xxx | xxx | Verified Doc Type | xxx | xxx |  |
| 16987725 | xxx | xxx | xxx | Verified Doc Type | xxx | xxx |  |
| 18353500 | xxx | xxx | xxx | Verified Doc Type | xxx | xxx |  |
| 11721443 | xxx | xxx | xxx | Verified Doc Type | xxx | xxx |  |
| 12753823 | xxx | xxx | xxx | Verified Doc Type | xxx | xxx |  |
| 11213940 | xxx | xxx | xxx | Verified Doc Type | xxx | xxx |  |

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## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2**

![](ex9902001.jpg)

**EXECUTIVE SUMMARY**

**VSTA 2025-CES2**

**By Clarifii LLC on July 3, 2025**

VSTA 2025-CES2 Due Diligence Narrative Report – PagE \| 1

![](ex9902001.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 75 Loans (the "Loans") originated by a correspondent lender and acquired by Vista Point Mortgage, LLC or its affiliates (the "Client") for the VSTA 2025-CES2 transaction. The Loans referenced in this narrative report were reviewed between 02/2025 to 06/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.33% | &nbsp;&nbsp;$275000.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;6 | &nbsp;&nbsp;8.00% | &nbsp;&nbsp;$1940000.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;3 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;$544000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;65 | &nbsp;&nbsp;86.67% | &nbsp;&nbsp;$16880515.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19639515.00** |

---

The Review consisted of a population of 75 Loans, with an aggregate principal balance of $19,639,515.00.

**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.

VSTA 2025-CES2 Due Diligence Narrative Report – PagE \| 2

![](ex9902001.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;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024 |

---

**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 Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Total Income |
| &nbsp;&nbsp;Borrower 1 Verified Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Final Reviewed QM Status |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |

---

VSTA 2025-CES2 Due Diligence Narrative Report – PagE \| 3

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| |
|:---|
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Months Since Bankruptcy |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Loan Amount |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

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Underwriting Guideline Product Name <br> <u>Verified Doc Type</u> <br> <u>Vested Business Entity Name</u>

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

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– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 officer

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

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– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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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.

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– 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.

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.

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

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**ABILITY TO REPAY (ATR)**

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

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

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

Clarifii's review was based on information contained in the Loan file at the time it was provided for review. All Loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

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**Valuation Reconciliation Process:**

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

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

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

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

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

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

**VALUATION** **RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% <br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -<br> 10% of OA or Acceptable <br> UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 |

---

**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.

VSTA 2025-CES2 Due Diligence Narrative Report – PagE \| 14

![](ex9902001.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. |

---

VSTA 2025-CES2 Due Diligence Narrative Report – PagE \| 15

![](ex9902001.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** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;55 | &nbsp;&nbsp;73.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;26.67% |
| &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;**75** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;66 | &nbsp;&nbsp;88.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &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;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** |

---

VSTA 2025-CES2 Due Diligence Narrative Report – PagE \| 16

![](ex9902001.jpg)

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;45 | &nbsp;&nbsp;60.00% |
| &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;30 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;62 | &nbsp;&nbsp;82.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;17.33% |
| &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;**75** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19639515.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19639515.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;65 | &nbsp;&nbsp;86.67% | &nbsp;&nbsp;$17169549.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.67% | &nbsp;&nbsp;$910000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;8 | &nbsp;&nbsp;10.67% | &nbsp;&nbsp;$1559966.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19639515.00** |

---

VSTA 2025-CES2 Due Diligence Narrative Report – PagE \| 17

![](ex9902001.jpg)

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19639515.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19639515.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19639515.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19639515.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.33% | &nbsp;&nbsp;$650000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;72 | &nbsp;&nbsp;96.00% | &nbsp;&nbsp;$18732515.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.67% | &nbsp;&nbsp;$257000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19639515.00** |

---

**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 Fields** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;96.77% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;1 | &nbsp;&nbsp;34 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;34 | &nbsp;&nbsp;94.12% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;70 | &nbsp;&nbsp;95.71% |

---

VSTA 2025-CES2 Due Diligence Narrative Report – PagE \| 18

![](ex9902001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;8 | &nbsp;&nbsp;34 | &nbsp;&nbsp;76.47% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Verified Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;24 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;38 | &nbsp;&nbsp;84.21% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;69 | &nbsp;&nbsp;98.55% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;3 | &nbsp;&nbsp;58 | &nbsp;&nbsp;94.83% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Months Since Bankruptcy | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;42 | &nbsp;&nbsp;97.62% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;45 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;64 | &nbsp;&nbsp;98.44% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;8 | &nbsp;&nbsp;34 | &nbsp;&nbsp;76.47% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;42 | &nbsp;&nbsp;97.62% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;70 | &nbsp;&nbsp;91.43% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |

---

VSTA 2025-CES2 Due Diligence Narrative Report – PagE \| 19

![](ex9902001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;63 | &nbsp;&nbsp;98.41% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;8 | &nbsp;&nbsp;25 | &nbsp;&nbsp;68.00% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;66 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;11 | &nbsp;&nbsp;42 | &nbsp;&nbsp;73.81% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;74 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;6 | &nbsp;&nbsp;34 | &nbsp;&nbsp;82.35% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

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

VSTA 2025-CES2 Due Diligence Narrative Report – PagE \| 20

![](ex9902001.jpg)

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

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

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

VSTA 2025-CES2 Due Diligence Narrative Report – PagE \| 21

## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 2480295 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9999 | 9.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25868.67 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2426698 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | Yes | No | No | No | 13850 | 9.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 15497.09 | Yes | Employed |  | No |  | No |  |
| XXXX | 2385266 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 2349 | 11.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3881.05 | N/A | Employed |  | No |  | No |  |
| XXXX | 2026906 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2699 | 11.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5090.52 | N/A | Employed |  | No |  | No |  |
| XXXX | 2390460 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 8022.73 | 9.984 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4887.6 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2889126 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10945 | 8.983 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 23081.24 | Yes | Employed |  | No |  | No |  |
| XXXX | 2101674 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5744 | 10.073 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10377.8 | Yes | Employed |  | No |  | No |  |
| XXXX | 2096442 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5045 | 9.519 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5413.61 | Yes | Employed |  | No |  | No |  |
| XXXX | 2233526 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6496.16 | 9.612 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5507.91 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 2301995 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Yes | No | No | No | No | No | No | No | No | No | No | 3457.33 | 10.532 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3640.03 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 2349264 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1495 | 8.722 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9418.56 | Yes | Employed |  | No |  | No |  |
| XXXX | 2615438 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3574 | 11.124 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10887.21 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 2488935 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Yes | No | No | No | No | No | No | No | No | No | Yes | 9826.48 | 12.4 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | N/A | Yes | N/A | 25114.77 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 2383285 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 5450 | 11.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 17749.54 | Yes | Employed |  | No |  | No |  |
| XXXX | 2368758 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5503.5 | 9.948 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 9398.13 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 2705323 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 7748 | 9.741 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13875.2 | N/A | Employed |  | No |  | No |  |
| XXXX | 2967883 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7395 | 9.044 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26798.25 | Yes | Employed |  | No |  | No |  |
| XXXX | 2368031 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7624 | 10.849 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10664.41 | Yes | Employed |  | No |  | No |  |
| XXXX | 2062903 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9845 | 8.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 55726.3 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 2342550 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4196.5 | 8.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 15785.98 | Yes | Employed | Retired | No | No | No |  |
| XXXX | 2343558 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4195 | 8.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 7487.75 | Yes | Retired | Not Employed | No | No | No |  |
| XXXX | 2169342 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6225.48 | 10.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 66138.18 | Yes | Employed |  | No |  | No |  |
| XXXX | 2610366 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1695 | 9.175 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2070.4 | Yes | Employed |  | No |  | No |  |
| XXXX | 2440574 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9745 | 8.578 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10926.32 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 2436165 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4915 | 9.159 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3704.81 | Yes | Employed |  | No |  | No |  |
| XXXX | 2803191 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5495 | 8.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14854.17 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 2929336 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3345.5 | 10.557 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 3340.66 | Yes | Employed |  | No |  | No |  |
| XXXX | 2729763 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 22795 | 10.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 15304.37 | Yes | Employed |  | No |  | No |  |
| XXXX | 2136603 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9370 | 8.183 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 10334.03 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 2261904 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10004 | 10.159 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2958.41 | N/A | Employed |  | No |  | No |  |
| XXXX | 2173939 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 17249.54 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 2698935 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6995 | 9.43 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5762.56 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2782007 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 5995 | 11.168 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 40878.1 | N/A | Employed |  | No |  | No |  |
| XXXX | 2974435 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6676.25 | 10.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11193.1 | Yes | Employed |  | No |  | No |  |
| XXXX | 2136356 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5490 | 9.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18766.85 | N/A | Employed | Not Employed | No |  | No |  |
| XXXX | 2658978 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4715 | 9.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5926.05 | N/A | Employed |  | No |  | No |  |
| XXXX | 2202834 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3390 | 10.224 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15886.66 | N/A | Employed |  | No |  | No |  |
| XXXX | 2995659 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1499 | 9.393 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7711.04 | Yes | Employed |  | No |  | No |  |
| XXXX | 2579916 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3046.5 | 9.799 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 5707.97 | N/A | Employed |  | No |  | No |  |
| XXXX | 2149496 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 1735 | 12.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7234.99 | Yes | Employed |  | No |  | No |  |
| XXXX | 2032248 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19945 | 8.433 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 239056.9 | Yes | Employed |  | No |  | No |  |
| XXXX | 2003842 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 1538.75 | 11.003 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 11805.18 | N/A | Employed |  | No |  | No |  |
| XXXX | 2577561 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4260 | 8.531 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4358.53 | N/A | Employed |  | No |  | No |  |
| XXXX | 2176091 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 7321.71 | 10.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9573.08 | N/A | Employed |  | No |  | No |  |
| XXXX | 2672376 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | N/A | 27251.33 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 2989937 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10304.15 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 2954054 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5078.86 | 11.848 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8227.69 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2180215 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3106.5 | 8.981 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4163.97 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 2935181 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 5574 | 10.503 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24565.7 | N/A | Employed |  | No |  | No |  |
| XXXX | 2730962 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 4524.03 | 12.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4206.13 | Yes | Employed |  | No |  | No |  |
| XXXX | 2947669 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2499 | 10.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7137.51 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2026972 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3279 | 10.497 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8667.52 | N/A | Employed |  | No |  | No |  |
| XXXX | 2272231 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10859.35 | 9.991 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | 15250.53 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 2520355 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3645.25 | 10.503 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8114.05 | N/A | Employed |  | No |  | No |  |
| XXXX | 2360649 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 11213.75 | 9.357 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 6710.41 | Yes | Employed |  | No |  | No |  |
| XXXX | 2651755 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 7228 | 10.375 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12016.22 | N/A | Employed |  | No |  | No |  |
| XXXX | 2158803 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16990 | 9.651 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20745.31 | Yes | Employed |  | No |  | No |  |
| XXXX | 2420296 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4299.3 | 9.693 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4447.56 | N/A | Retired | Retired | No | No | No |  |
| XXXX | 2448899 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2799 | 9.936 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 8763.98 | N/A | Employed |  | No |  | No |  |
| XXXX | 2491358 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4601.5 | 9.647 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12245.76 | Yes | Employed |  | No |  | No |  |
| XXXX | 2767635 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 2594471 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9345 | 10.554 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 214857.63 | N/A | Employed |  | No |  | No |  |
| XXXX | 2750055 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 6514.48 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 2738346 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13349 | 9.396 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27917.95 | N/A | Employed |  | No |  | No |  |
| XXXX | 2824322 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6249 | 9.252 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19154.69 | N/A | Employed |  | No |  | No |  |
| XXXX | 2694124 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 999 | 11.25 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4566.35 | N/A | Employed |  | No |  | No |  |
| XXXX | 2487963 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7630.09 | 8.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27398.69 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2442326 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16695 | 9.27 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 78113.48 | N/A | Employed |  | No |  | No |  |
| XXXX | 2282531 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9345 | 10.011 | Yes | N/A | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 112812.31 | Yes | Employed |  | No |  | No |  |
| XXXX | 2804237 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| XXXX | 2516829 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4722.3 | 9.326 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12279.15 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 2178063 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1499 | 8.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39167.66 | N/A | Employed |  | No |  | No |  |
| XXXX | 2843705 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2195 | 9.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 11743.86 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 2718436 | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5072.56 | 9.478 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10713.85 | N/A | Employed |  | No |  | No |  |
| XXXX | 2781015 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3349 | 9.794 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3217.53 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 2480295 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per appraisal |
| XXXX | 2480295 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | 2480295 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.82 | 39.44 | Lender over calculated 1st lien payment |
| XXXX | 2426698 | XXXX | XXXX | Amortization Term | notePage | 480 | 180 | 180 term with 480 amortization Balloon Note. |
| XXXX | 2385266 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | XXXX |
| XXXX | 2385266 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit's calculation per P&L stmnt and per guides. |
| XXXX | 2385266 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit's calculation per P&L stmnt done according to gl |
| XXXX | 2385266 | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | 2390460 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | 2390460 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Owner occupied property not exempt |
| XXXX | 2390460 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | per income docs |
| XXXX | 2390460 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.03 | 46.52 | Audit calculated lower income for B1 and lender did not include installment loans. |
| XXXX | 2889126 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 37.28 | 49.96 | Audit matches lender 1008 |
| XXXX | 2101674 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.14 | 0.36 | Per 1008 DTI is 39.791% and guides minimum 20% expense factor required for P&L. |
| XXXX | 2301995 | XXXX | XXXX | Business Purpose Flag | businessPurposePage | Yes | No | Per 1008 |
| XXXX | 2349264 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 20.32 | 49.01 | Tape appears to show back end DTI since this is close to audit DTI. |
| XXXX | 2488935 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 2488935 | XXXX | XXXX | Business Purpose Flag | businessPurposePage | Yes | No | Per 1008 |
| XXXX | 2488935 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 20.54 | 41.99 | Audit matches lender 1008 |
| XXXX | 2967883 | XXXX | XXXX | Occupancy | the1003Page | Second Home | Primary Residence | Per 1008 and application |
| XXXX | 2967883 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 9.76 | 41.80 | 1008 reflects 10.582% for the housing expense ratio; lender used lower HOI premium that what appears on policy. |
| XXXX | 2062903 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Title |
| XXXX | 2062903 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | XXXX |
| XXXX | 2342550 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 29.62 | 32.98 | Housing ratio matches lender 1008 |
| XXXX | 2169342 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | XXXX |
| XXXX | 2169342 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | 2169342 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit calculated lower income |
| XXXX | 2803191 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 2803191 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 17.9 | 31.86 | Audit matches Lender's 1008 |
| XXXX | 2995659 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Per AVM SFR |
| XXXX | 2995659 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit calculated less income |
| XXXX | 2995659 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit calculated less income |
| XXXX | 2579916 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX | 2579916 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | 2579916 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 2149496 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 2032248 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 8.72 | 41.92 | Audit in line with 1008 |
| XXXX | 2003842 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 40.31 | 49.80 | Audit in line with 1008 |
| XXXX | 2577561 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | 7761.1 | 7762.94 | 7762.94 |
| XXXX | 2577561 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | 2176091 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | XXXX |
| XXXX | 2176091 | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | 2672376 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | XXXX |
| XXXX | 2672376 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Per the calculations |
| XXXX | 2672376 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Per Income docs provided. |
| XXXX | 2672376 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.81 | 49.79 | Per income docs provided, unable to match lender income. |
| XXXX | 2672376 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 1 | The loan is not a DSCR |
| XXXX | 2989937 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | 2989937 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Audit includes HOI monthly premium |
| XXXX | 2954054 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.37 | 0.42 | Auditor DTI matches 1008 |
| XXXX | 2935181 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.13 | 43.00 | Lender included paid collection balance in the DTI |
| XXXX | 2947669 | XXXX | XXXX | Borrower 1 Bankruptcy in past 7 years? | the1003Page | No | Yes | Per 1003 |
| XXXX | 2947669 | XXXX | XXXX | Borrower 2 Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit matches Lender's in file calculation |
| XXXX | 2947669 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.03 | 45.17 | Variance due to lender duplicating liabilities. |
| XXXX | 2026972 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Per calculations |
| XXXX | 2026972 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | per calculations |
| XXXX | 2026972 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.56 | 30.98 | Variance due to income calculations. Finding issued |
| XXXX | 2026972 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | 2272231 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per assets in file |
| XXXX | 2272231 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.54 | 40.05 | Variance due to audit calculated lower REO and consumer debt |
| XXXX | 2520355 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 720 | 715 | Per credit report |
| XXXX | 2360649 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per credit report |
| XXXX | 2651755 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Per calculations |
| XXXX | 2651755 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Per calculations |
| XXXX | 2651755 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.54 | 37.83 | Lender did not include first mtg payment in DTI and audit slightly lower income |
| XXXX | 2651755 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 2767635 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | 2767635 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 2767635 | XXXX | XXXX | Monthly Property Tax Amount | titlePage | 448.72 | 0.00 | Per title |
| XXXX | 2767635 | XXXX | XXXX | Monthly Hazard Insurance Premium | propertyInsurancePage | 236.5 | 0.00 | Per HOI policy |
| XXXX | 2767635 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.264 | 0.01 | market rent/PITIA, matches 1008 |
| XXXX | 2750055 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | 2738346 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | 2824322 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX | 2824322 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | 2694124 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.22 | 49.38 | Variance due to Lender used incorrect PI payment for first mtg. |
| XXXX | 2282531 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| XXXX | 2178063 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | XXXX |
| XXXX | 2843705 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 2843705 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per the credit report in the file. |

---

## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 2480295 | XXXX D A C | Closed | FCRE1510 | 2025-02-06 10:13 | 2025-03-05 10:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received corrected, recorded Mortgage. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. Uploaded amended Mortgage - Seller-03/04/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Per Note, Maturity Date XXXX ; Per DOT, Maturity Date XXXX. -----DOT Notary has no expiration date listed. - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Uploaded amended Mortgage - Seller-03/04/2025<br>| Resolved-Received corrected, recorded Mortgage. - Due Diligence Vendor-03/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 773 is 20+ points above 680 minimum<br>CLTV is less than guidelines maximum - CLTV of 62.45% is less than 75% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3364782 |
| XXXX | 2480295 | XXXX D A C | Closed | FVAL1039 | 2025-02-10 10:08 | 2025-02-13 14:00 | Resolved | 1 - Information C A | Property | Value | Appraised value unsupported | Resolved-Upon further review, the loan was closed using the lower value of the field review that was performed prior to closing therefore, value is not an issue. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. The XXXX SSR showed XXXX risk score so a CDA was ordered, the CDA showed over XXXX which then required the Field Review. We used the lower value from the Field Review per guideline, XXXX. Uploaded CDA to show the paper trail and CDA does support the field review value. - Seller-02/12/2025 <br> Open-Secondary valuation provided has a variance of greater than -10% compared to the original appraised value. Field review does not support subject value. - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. The XXXX SSR showed 2.9 risk score so a CDA was ordered, the CDA showed over 10% which then required the Field Review. We used the lower value from the Field Review per guideline, XXXX. Uploaded CDA to show the paper trail and CDA does support the field review value. - Seller-02/12/2025 | Resolved-Upon further review, the loan was closed using the lower value of the field review that was performed prior to closing therefore, value is not an issue. - Due Diligence Vendor-02/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 773 is 20+ points above 680 minimum<br>CLTV is less than guidelines maximum - CLTV of 62.45% is less than 75% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3385319 |
| XXXX | 2480295 | XXXX D A C | Closed | FVAL1563 | 2025-02-10 09:56 | 2025-02-13 13:50 | Resolved | 1 - Information C A | Property | Appraisal | Unsupported adjustments or comps | Resolved-Upon further review the appraised value from the primary appraisal was not used. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-We used the value from the Field Review XXXX so an explanation regarding comps 3-8 on the appraisal would not be required or necessary - Seller-02/12/2025 <br> Open-Gross adjustments on comps 3-8 exceed 30% without sufficient explanation justifying the usage of these comps. - Due Diligence Vendor-02/10/2025 | Ready for Review-We used the value from the Field Review XXXX so an explanation regarding comps 3-8 on the appraisal would not be required or necessary - Seller-02/12/2025 | Resolved-Upon further review the appraised value from the primary appraisal was not used. - Due Diligence Vendor-02/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 773 is 20+ points above 680 minimum<br>CLTV is less than guidelines maximum - CLTV of 62.45% is less than 75% guideline maximum |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3385181 |
| XXXX | 2480295 | XXXX D A C | Closed | finding-3635 | 2025-02-06 10:54 | 2025-02-13 11:18 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Rec'd PCCD issued XXXX with XXXX lender credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. Uploaded PCCD, XXXX title fee was inadvertently disclosed in section B should have been section C. - Seller-02/12/2025 <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% (XXXX) exceed the comparable charges (XXXX) 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 (Title Services & Lender's Title) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. Additional findings may apply upon receipt. - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Uploaded PCCD, XXXX title fee was inadvertently disclosed in section B should have been section C. - Seller-02/12/2025 | Resolved-Rec'd PCCD issued XXXX with XXXX lender credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-02/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 773 is 20+ points above 680 minimum<br>CLTV is less than guidelines maximum - CLTV of 62.45% is less than 75% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3365423 |
| XXXX | 2480295 | XXXX D A C | Closed | finding-3634 | 2025-02-06 10:54 | 2025-02-13 11:15 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd PCCD issued XXXX. Finding Resolved. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. Uploaded PCCD, XXXX Misc. Debt Payoff for Tax Lien was inadvertently disclosed in section B should have been section H. - Seller-02/12/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by XXXX (Misc. Debt Payoff - Tax Lien Fee) without a valid COC in file. Lender credit of XXXX is not sufficient to cure. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. Additional findings may apply upon receipt. - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Uploaded PCCD, XXXX Misc. Debt Payoff for Tax Lien was inadvertently disclosed in section B should have been section H. - Seller-02/12/2025 | Resolved-Rec'd PCCD issued XXXX. Finding Resolved. - Due Diligence Vendor-02/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 773 is 20+ points above 680 minimum<br>CLTV is less than guidelines maximum - CLTV of 62.45% is less than 75% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3365420 |
| XXXX | 2480295 | XXXX D A C | Closed | finding-3542 | 2025-02-06 13:54 | 2025-02-12 11:07 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Rec'd borrower's acknowledgment of disclosure. Finding Resolved. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. Uploaded Proof of Delivery to borrower for revised CD dated XXXX - Seller-02/11/2025 <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:"USPS 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. ----- Missing evidence borrower received CD issued XXXX, please provide. Additional findings may apply upon receipt. - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Uploaded Proof of Delivery to borrower for revised CD dated XXXX - Seller-02/11/2025 | Resolved-Rec'd borrower's acknowledgment of disclosure. Finding Resolved. - Due Diligence Vendor-02/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 773 is 20+ points above 680 minimum<br>CLTV is less than guidelines maximum - CLTV of 62.45% is less than 75% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3368191 |
| XXXX | 2480295 | XXXX D A C | Closed | FCOM2630 | 2025-02-10 10:46 | 2025-02-12 11:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Rec'd Attorney/Insurance preference form State of XXXX. Finding Resolved. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. - Seller-02/11/2025 <br> Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. - Seller-02/11/2025<br>| Resolved-Rec'd Attorney/Insurance preference form XXXX. Finding Resolved. - Due Diligence Vendor-02/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO score of 773 is 20+ points above 680 minimum<br>CLTV is less than guidelines maximum - CLTV of 62.45% is less than 75% guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3385806 |
| XXXX | 2480295 | XXXX D A C | Closed | FCRE1440 | 2025-02-11 09:26 | 2025-02-11 09:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review of LOE, late amount is escrow shortage. - Due Diligence Vendor-02/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements XXXX mtg statement for 1st lien shows past due payment; statement dated XXXX shows partial payment made but account is still past due. Loan closed XXXX. Missing proof that subject was not 1x30, guides require 0x30. Credit supplement or VOM would be needed. - Due Diligence Vendor-02/11/2025 |  | Resolved-Upon further review of LOE, late amount is escrow shortage. - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 773 is 20+ points above 680 minimum<br>CLTV is less than guidelines maximum - CLTV of 62.45% is less than 75% guideline maximum |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3395349 |
| XXXX | 2426698 | XXXX C B A | Closed | finding-3634 | 2025-03-14 07:33 | 2025-06-09 10:24 | Resolved | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Resolved-XXXX lender credit on post close CD, resolves. - Due Diligence Vendor-06/09/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXXX lender credit on post close CD resolves. - Due Diligence Vendor-03/14/2025 |  | Resolved-XXXX lender credit on post close CD, resolves. - Due Diligence Vendor-06/09/2025 | Long term residence - Borrower has resided in subject primary since 2018, with 0X30 mortgage lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 63.85% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3611123 |
| XXXX | 2426698 | XXXX C B A | Closed | finding-651 | 2025-02-10 13:13 | 2025-03-14 09:26 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Received PCCD XXXX, LOE to borrower, refund check for XXXX, evidence of rescission period reopening and proof of delivery. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-reuploaded to another condition - Seller-03/12/2025 <br> Counter-Received PCCD XXXX, LOE to borrower, refund check for XXXX and proof of delivery. However, the amount of refund was XXXX and a new rescission period o three days was not provided to borrower. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-uploaded to another condition - Seller-02/24/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than $100 at XXXX.---- Provide evidence of refund or principal reduction of XXXX, 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. Statue of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-02/10/2025 | Ready for Review-reuploaded to another condition - Seller-03/12/2025 <br>Ready for Review-uploaded to another condition - Seller-02/24/2025<br>| Cured-Received PCCD XXXX, LOE to borrower, refund check for XXXX, evidence of rescission period reopening and proof of delivery. - Due Diligence Vendor-03/14/2025 | Long term residence - Borrower has resided in subject primary since 2018, with 0X30 mortgage lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 63.85% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3387820 |
| XXXX | 2426698 | XXXX C B A | Closed | finding-3734 | 2025-02-10 12:54 | 2025-03-14 07:38 | Cured | 2 - Non-Material C B | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Cured-Received PCCD XXXX, LOE to borrower, refund check for XXXX, evidence of rescission period reopening and proof of delivery. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-reuploaded to another condition<br> - Seller-03/12/2025 <br> Counter-Received PCCD XXXX, LOE to borrower, refund check for XXXX and proof of delivery. However, the amount of refund was XXXX and a new rescission period o three days was not provided to borrower. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-uploaded to another condition - Seller-02/24/2025 <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 XXXX. The disclosed total of payments charge of XXXX is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-02/10/2025 | Ready for Review-reuploaded to another condition<br> - Seller-03/12/2025 <br>Ready for Review-uploaded to another condition - Seller-02/24/2025<br>| Cured-Received PCCD XXXX, LOE to borrower, refund check for XXXX, evidence of rescission period reopening and proof of delivery. - Due Diligence Vendor-03/14/2025 | Long term residence - Borrower has resided in subject primary since 2018, with 0X30 mortgage lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 63.85% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3387583 |
| XXXX | 2426698 | XXXX C B A | Closed | finding-2504 | 2025-02-10 13:13 | 2025-03-14 07:33 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Received PCCD XXXX, LOE to borrower, refund check for XXXX, evidence of rescission period reopening and proof of delivery. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-re uploaded to another condition - Seller-03/12/2025 <br> Counter-Received PCCD XXXX, LOE to borrower, refund check for XXXX and proof of delivery. However, the amount of refund was XXXX and a new rescission period o three days was not provided to borrower. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-uploaded to another condition - Seller-02/24/2025 <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 XXXX. The disclosed finance charge of XXXX is not considered accurate for purposes of rescission because it is understated by more than XXXX at XXXX. Provide evidence of refund or principal reduction for XXXX or, at a minimum, to the XXXX 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. - Due Diligence Vendor-02/10/2025 | Ready for Review-re uploaded to another condition - Seller-03/12/2025 <br>Ready for Review-uploaded to another condition - Seller-02/24/2025<br>| Resolved-Received PCCD XXXX, LOE to borrower, refund check for XXXX, evidence of rescission period reopening and proof of delivery. - Due Diligence Vendor-03/14/2025 | Long term residence - Borrower has resided in subject primary since 2018, with 0X30 mortgage lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 63.85% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3387821 |
| XXXX | 2426698 | XXXX C B A | Closed | finding-3732 | 2025-02-10 12:54 | 2025-03-14 07:33 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Received PCCD XXXX, LOE to borrower, refund check for XXXX, evidence of rescission period reopening and proof of delivery. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. see revised attachments. NORTC, checks, PCCD, Letter, XXXX label - Seller-03/12/2025 <br> Counter-Received PCCD XXXX, LOE to borrower, refund check for XXXX and proof of delivery. However, the amount of refund was XXXX and a new rescission period o three days was not provided to borrower. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. See attached updated FSS, PCCD, Check, Coverletter, fed ex label, etc. - Seller-02/24/2025 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is XXXX. The disclosed total of payments of XXXX is not considered accurate because it is understated by more than XXXX and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. -----Provide evidence of refund or principal reduction for XXXX or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. see revised attachments. NORTC, checks, PCCD, Letter, XXXX label - Seller-03/12/2025 <br> Ready for Review-Document Uploaded. See attached updated FSS, PCCD, Check, Coverletter, XXXX label, etc. - Seller-02/24/2025 | Resolved-Received PCCD XXXX, LOE to borrower, refund check for XXXX, evidence of rescission period reopening and proof of delivery. - Due Diligence Vendor-03/14/2025 | Long term residence - Borrower has resided in subject primary since 2018, with 0X30 mortgage lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 63.85% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3387582 |
| XXXX | 2426698 | XXXX C B A | Closed | FCRE1199 | 2025-02-11 08:19 | 2025-02-12 17:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/12/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Lender Exception Granted: Loan amount of XXXX exceeds guideline max of XXXX<br> - Due Diligence Vendor-02/11/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/12/2025<br>| Long term residence - Borrower has resided in subject primary since 2018, with 0X30 mortgage lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 63.85% | 1. Lender max CLTV of 90%, subject CLTV of 63.85%<br> 2. History dating back to 2019, no lates reported |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3394652 |
| XXXX | 2385266 | XXXX C B A | Closed | FCOM5135 | 2025-02-10 14:46 | 2025-06-09 10:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non material finding. - Due Diligence Vendor-06/09/2025 <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-06/09/2025 |  | Waived-Originator waiver applied to non material finding. - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 687 FICO; 660 required<br>On time mortgage history exceeds guideline requirement - 0x30x37 housing history exceeds 0x30x12 guideline requirement<br>Months Reserves exceed minimum required - 18.91 mos rsrvs; 0 required<br>CLTV is less than guidelines maximum - 56.96% CLTV is less than 65% guideline maximum |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3389540 |
| XXXX | 2385266 | XXXX C B A | Closed | FCRE0044 | 2025-02-11 16:55 | 2025-02-19 13:41 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-02/19/2025 <br>Ready for Review-Document Uploaded. Subbd LOX for credit inquiries. - Seller-02/18/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. Subbd LOX for credit inquiries. - Seller-02/18/2025<br>| Resolved-Received LOE. - Due Diligence Vendor-02/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 687 FICO; 660 required<br>On time mortgage history exceeds guideline requirement - 0x30x37 housing history exceeds 0x30x12 guideline requirement<br>Months Reserves exceed minimum required - 18.91 mos rsrvs; 0 required<br>CLTV is less than guidelines maximum - 56.96% CLTV is less than 65% guideline maximum |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3402115 |
| XXXX | 2026906 | XXXX C A | Closed | finding-3367 | 2025-02-14 08:27 | 2025-02-21 11:47 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. Hi :) our Application date is XXXX, this is correct as is thank you :) - Seller-02/19/2025 <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 XXXX 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, XXXX 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. -----The homeownership counseling disclosure provided is dated more than 3 business days (XXXX) after the initial loan application (XXXX). Please provide evidence the homeownership counseling disclosure was provided within 3 business days of the initial loan application. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Hi :) our Application date is XXXX, this is correct as is thank you :) - Seller-02/19/2025 | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-02/20/2025<br>| CLTV is less than guidelines maximum - 72.42% < 85% max<br>On time mortgage history exceeds guideline requirement - Borrower's current mortgage history is 0x30x26 months; guides require 0x30x12 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3423902 |
| XXXX | 2026906 | XXXX C A | Closed | finding-3634 | 2025-02-14 08:27 | 2025-02-21 11:47 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no further documentation is needed or required. Application date was corrected. - Due Diligence Vendor-02/21/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX. Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-02/14/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Application date was corrected. - Due Diligence Vendor-02/21/2025<br>| CLTV is less than guidelines maximum - 72.42% < 85% max<br>On time mortgage history exceeds guideline requirement - Borrower's current mortgage history is 0x30x26 months; guides require 0x30x12 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3423906 |
| XXXX | 2026906 | XXXX C A | Closed | finding-3515 | 2025-02-14 08:27 | 2025-02-21 11:47 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Hi :) our Application date is XXXX, this is correct as is thank you :) - Seller-02/19/2025 <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 ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXXX, 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 XXXX 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, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.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. Statue of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-02/14/2025 | Ready for Review-Hi :) our Application date is XXXX, this is correct as is thank you :) - Seller-02/19/2025 | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-02/20/2025<br>| CLTV is less than guidelines maximum - 72.42% < 85% max<br>On time mortgage history exceeds guideline requirement - Borrower's current mortgage history is 0x30x26 months; guides require 0x30x12 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3423908 |
| XXXX | 2026906 | XXXX C A | Closed | finding-3635 | 2025-02-14 08:27 | 2025-02-21 11:47 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, no further documentation is needed or required. Application date was corrected. - Due Diligence Vendor-02/21/2025 <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% XXXX exceed the comparable charges XXXX 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 increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-02/14/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Application date was corrected. - Due Diligence Vendor-02/21/2025<br>| CLTV is less than guidelines maximum - 72.42% < 85% max<br>On time mortgage history exceeds guideline requirement - Borrower's current mortgage history is 0x30x26 months; guides require 0x30x12 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3423909 |
| XXXX | 2026906 | XXXX C A | Closed | finding-3838 | 2025-02-14 08:27 | 2025-02-21 11:47 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Hi :) our Application date is XXXX, this is correct as is thank you :) - Seller-02/19/2025 <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:NoneAs not being open on 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, XXXX 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). -----The Service Provider List provided is dated more than 3 business days (XXXX) after the initial loan application (XXXX). Please provide evidence the SPL was provided within 3 business days of the initial loan application. - Due Diligence Vendor-02/14/2025 | Ready for Review-Hi :) our Application date is XXXX, this is correct as is thank you :) - Seller-02/19/2025 | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-02/20/2025<br>| CLTV is less than guidelines maximum - 72.42% < 85% max<br>On time mortgage history exceeds guideline requirement - Borrower's current mortgage history is 0x30x26 months; guides require 0x30x12 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3423910 |
| XXXX | 2390460 | XXXX C B A | Closed | FCRE1193 | 2025-02-14 16:45 | 2025-06-09 09:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Proof car payment is paid by another individual provided. - Due Diligence Vendor-02/21/2025 <br> Counter-Reviewed DTI - XXXX total income, XXXX Subject PITIA and XXXX in consumer debt = 57.54% DTI. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Please advise. - Seller-02/19/2025 <br> Open-Audited DTI of 57.54% exceeds Guideline DTI of 50% Audit calculated lower income for B1 and lender did not include B2 XXXX and XXXX installment loans in the DTI. - Due Diligence Vendor-02/14/2025 | Ready for Review-Please advise. - Seller-02/19/2025<br>| Resolved-Proof car payment is paid by another individual provided. - Due Diligence Vendor-02/21/2025<br>| CLTV is less than guidelines maximum - 65.48% LTV is below 85% guideline max<br>Verified employment history exceeds guidelines - Borrower 1 has long term employment of over 10 years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3429267 |
| XXXX | 2390460 | XXXX C B A | Closed | FCRE1506 | 2025-02-14 16:41 | 2025-06-09 09:37 | 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-02/21/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds guide limits-Audit calculated lower income for B1 and lender did not include B2 ENT CU and XXXX installment loans in the DTI - Due Diligence Vendor-02/19/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/21/2025<br>| CLTV is less than guidelines maximum - 65.48% LTV is below 85% guideline max<br>Verified employment history exceeds guidelines - Borrower 1 has long term employment of over 10 years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3429245 |
| XXXX | 2390460 | XXXX C B A | Closed | finding-3542 | 2025-02-14 08:16 | 2025-02-20 09:06 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Received evidence of CD XXXX receipt, finding resolved. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-uploaded to the other condition. - Seller-02/19/2025 <br> Counter-Received Disclosure tracking summary. Please provide the individual disclosure tracking for CD XXXX that shows when the borrower viewed it. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Uploaded disclosure tracking. - Seller-02/19/2025 <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:"XXXX" 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. -----APR increased by 0.530% on CD dated XXXX. Provide evidence that CD dated XXXX was received by borrower 3 days prior to consummation. - Due Diligence Vendor-02/14/2025 | Ready for Review-uploaded to the other condition. - Seller-02/19/2025 <br>Ready for Review-Uploaded disclosure tracking. - Seller-02/19/2025<br>| Resolved-Received evidence of CD XXXX receipt, finding resolved. - Due Diligence Vendor-02/20/2025 | CLTV is less than guidelines maximum - 65.48% LTV is below 85% guideline max<br>Verified employment history exceeds guidelines - Borrower 1 has long term employment of over 10 years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3423805 |
| XXXX | 2390460 | XXXX C B A | Closed | finding-3634 | 2025-02-14 08:16 | 2025-02-20 09:06 | Resolved | 1 - Information B A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received evidence of CD XXXX receipt, finding resolved. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. Please see attcahed. - Seller-02/19/2025 <br> Counter-Received Disclosure tracking summary. Please provide the individual disclosure tracking for CD 1/31/2025 that shows when the borrower viewed it. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. Uploaded disclosure tracking history. - Seller-02/19/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXXX (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 XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX.---[COC in file for increase, provide evidence that borrower received CD dated XXXX at least 3 days prior to consummation]--- - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. Please see attcahed. - Seller-02/19/2025 <br>Ready for Review-Document Uploaded. Uploaded disclosure tracking history. - Seller-02/19/2025<br>| Resolved-Received evidence of CD XXXX receipt, finding resolved. - Due Diligence Vendor-02/20/2025 | CLTV is less than guidelines maximum - 65.48% LTV is below 85% guideline max<br>Verified employment history exceeds guidelines - Borrower 1 has long term employment of over 10 years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3423808 |
| XXXX | 2390460 | XXXX C B A | Closed | FCRE6763 | 2025-02-19 10:29 | 2025-02-19 10:35 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/19/2025 <br> Open-B1 using bonus commission with only proof of one year received, has history of receiving in XXXX - Due Diligence Vendor-02/19/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/19/2025<br>| CLTV is less than guidelines maximum - 65.48% LTV is below 85% guideline max<br>Verified employment history exceeds guidelines - Borrower 1 has long term employment of over 10 years | Long term homeowner<br> Long term employment |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3446080 |
| XXXX | 2390460 | XXXX C B A | Closed | FCRE1348 | 2025-02-19 10:32 | 2025-02-19 10:35 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/19/2025 <br> Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months B2 has job gap in XXXX with no income. - Due Diligence Vendor-02/19/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/19/2025<br>| CLTV is less than guidelines maximum - 65.48% LTV is below 85% guideline max<br>Verified employment history exceeds guidelines - Borrower 1 has long term employment of over 10 years | Long term homeowner<br> Long term employment |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3446106 |
| XXXX | 2889126 | XXXX C A | Closed | FPRO0011 | 2025-02-21 11:48 | 2025-02-27 16:06 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-02/27/2025 <br> Counter-Subject property is located in XXXX County and disaster certification inspection is required. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Not on our zip code list - Seller-02/25/2025 <br> Open-XXXX, INDIVIDUAL & PUBLIC ASSISTANCE, XXXX, Major Disaster Declaration declared on XXXX, Appraisal completed Post Disaster, Appraiser must comment on the adverse event and certify that there has been no changed in the valuation. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. see attached - Seller-02/27/2025 <br>Ready for Review-Not on our zip code list - Seller-02/25/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 660, borrower FICO is 716.<br>CLTV is less than guidelines maximum - Lender max CLTV is 85%, subject CLTV is 51.68% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3462577 |
| XXXX | 2889126 | XXXX C A | Closed | finding-3634 | 2025-02-20 13:07 | 2025-02-26 08:34 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received information from client of day after Thanksgiving closure of business. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Our offices are closed the Friday after Thanksgiving. Please correct. - Seller-02/25/2025 <br> Counter-Received SPL dated XXXX however, we are missing the LE and SPL provided to borrower within three business days of application date of XXXX. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-02/21/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Missing Service Providers List. Please provide for accurate testing. - Due Diligence Vendor-02/20/2025 | Ready for Review-Our offices are closed the Friday after XXXX. Please correct. - Seller-02/25/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-02/21/2025 | Resolved-Received information from client of day after XXXX closure of business. - Due Diligence Vendor-02/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 660, borrower FICO is 716.<br>CLTV is less than guidelines maximum - Lender max CLTV is 85%, subject CLTV is 51.68% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3455755 |
| XXXX | 2889126 | XXXX C A | Closed | finding-3635 | 2025-02-20 13:07 | 2025-02-26 08:34 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received information from client of day after XXXX closure of business. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Our offices are closed the Friday after XXXX. Please correct. - Seller-02/25/2025 <br> Counter-Received SPL dated XXXX however, we are missing the LE and SPL provided to borrower within three business days of application date of XXXX. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-02/21/2025 <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% (XXXX) exceed the comparable charges (XXXX) 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 Service Providers List. Please provide for accurate testing. - Due Diligence Vendor-02/20/2025 | Ready for Review-Our offices are closed the Friday after XXXX. Please correct. - Seller-02/25/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-02/21/2025 | Resolved-Received information from client of day after XXXX closure of business. - Due Diligence Vendor-02/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 660, borrower FICO is 716.<br>CLTV is less than guidelines maximum - Lender max CLTV is 85%, subject CLTV is 51.68% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3455758 |
| XXXX | 2889126 | XXXX C A | Closed | finding-3838 | 2025-02-24 12:17 | 2025-02-26 08:34 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Received information from client of day after XXXX closure of business. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Our offices are closed the Friday after XXXX. Please correct. - Seller-02/25/2025 <br> Counter-Received SPL dated XXXX however, we are missing the LE and SPL provided to borrower within three business days of application date of XXXX. - Due Diligence Vendor-02/24/2025 <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:NoneAs not being open on 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, XXXX 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). - Due Diligence Vendor-02/24/2025 | Ready for Review-Our offices are closed the Friday after XXXX. Please correct. - Seller-02/25/2025 | Resolved-Received information from client of day after XXXX closure of business. - Due Diligence Vendor-02/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 660, borrower FICO is 716.<br>CLTV is less than guidelines maximum - Lender max CLTV is 85%, subject CLTV is 51.68% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3470359 |
| XXXX | 2101674 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2096442 | XXXX C A | Closed | FPRO0011 | 2025-02-24 17:37 | 2025-02-27 16:03 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-02/27/2025 <br> Counter-Disaster inspection required-subject is located within XXXX- Due Diligence Vendor-02/26/2025 <br> Ready for Review-not on our zip code list - Seller-02/25/2025 <br> XXXX, Incident Period: XXXX, Major Disaster Declaration declared on XXXX, INDIVIDUAL & PUBLIC ASSISTANCE, appraiser must comment on the adverse event and any effect on marketability or value. - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. see attached - Seller-02/27/2025 <br>Ready for Review-not on our zip code list - Seller-02/25/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/27/2025 | CLTV is less than guidelines maximum - Lender max CLTV is 85%, subject CLTV is 74.24%<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 42.97% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3472925 |
| XXXX | 2233526 | XXXX C A | Closed | FPRO0011 | 2025-02-25 14:14 | 2025-03-07 14:10 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. see attached PDI - Seller-03/06/2025 <br> Counter-Received lenders list of zip codes, however a PDI is required to clear this finding. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. Property's zip code is not on our list. - Seller-03/01/2025 <br> XXXX<br> XXXX<br> XXXX<br> Incident Period: XXXX Individual - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. see attached PDI - Seller-03/06/2025 <br>Ready for Review-Document Uploaded. Property's zip code is not on our list. - Seller-03/01/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 696, minimum score 680.<br>On time mortgage history exceeds guideline requirement - 0x30 mortgage housing history.<br>Qualifying DTI below maximum allowed - DTI 44.95% max 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3479071 |
| XXXX | 2301995 | XXXX D B A | Closed | FCRE1200 | 2025-02-26 12:11 | 2025-04-03 10:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted Loan Amount, waiver applied with compactors - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Please take a look again. At the top of pg. 2 under "exception information" you'll find the exception includes both that were needed.<br>- Seller-03/06/2025 <br> Counter-Exception in file is for housing history. Please provide the Exception approval for the loan amount. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. Please see attached exception approval, which should have been in the shipping package. - Seller-03/01/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX. No exception found - Due Diligence Vendor-02/26/2025 | Ready for Review-Please take a look again. At the top of pg. 2 under "exception information" you'll find the exception includes both that were needed.<br>- Seller-03/06/2025 <br>Ready for Review-Document Uploaded. Please see attached exception approval, which should have been in the shipping package. - Seller-03/01/2025<br>| Waived-Originator exception granted Loan Amount, waiver applied with compactors - Due Diligence Vendor-04/03/2025<br>| Months Reserves exceed minimum required - 28 mos rsrvs; 0 required<br>Qualifying DTI below maximum allowed - 33.59% DTI below max 50% | Mtg: 84 months no lates; DTI: 34<50% max; Employment: 20 years with employer. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3485482 |
| XXXX | 2301995 | XXXX D B A | Closed | FCRE8888 | 2025-02-26 12:16 | 2025-03-04 17:04 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received Mortgage Statement. - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. Rebut- please see excerpt from guidelines which shows the requirements for the senior lien. The mortgage statement (attached) and credit report provided sufficient information to determine that the 1st lien was eligible. - Seller-03/01/2025 <br>Open-Missing Note on 1st lien to determine if eligible senior lien<br> - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Rebut- please see excerpt from guidelines which shows the requirements for the senior lien. The mortgage statement (attached) and credit report provided sufficient information to determine that the 1st lien was eligible. - Seller-03/01/2025<br>| Resolved-Received Mortgage Statement. - Due Diligence Vendor-03/04/2025<br>| Months Reserves exceed minimum required - 28 mos rsrvs; 0 required<br>Qualifying DTI below maximum allowed - 33.59% DTI below max 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3485529 |
| XXXX | 2301995 | XXXX D B A | Closed | FCRE1440 | 2025-02-26 12:14 | 2025-03-04 17:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator provided a waiver for housing history, applied to non material finding with comp factors - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/01/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower is currently living rent free. Lender comment on 1008 states exception exists for borrower not having a primary housing expense, but no exception was found - <br> 2.26.25 - AG - Per Approval in the file pages 1/2 reflects exceptions given. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/01/2025<br>| Waived-Originator provided a waiver for housing history, applied to non material finding with comp factors - Due Diligence Vendor-03/04/2025<br>| Months Reserves exceed minimum required - 28 mos rsrvs; 0 required<br>Qualifying DTI below maximum allowed - 33.59% DTI below max 50% | 84 months report no lates<br> DTI Max-50% Subject 34%<br> Borrower has been with her employer for almost 20 years. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 3485514 |
| XXXX | 2301995 | XXXX D B A | Closed | FCRE1316 | 2025-02-26 11:53 | 2025-02-28 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. see attached - Seller-02/27/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. see attached - Seller-02/27/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/28/2025<br>| Months Reserves exceed minimum required - 28 mos rsrvs; 0 required<br>Qualifying DTI below maximum allowed - 33.59% DTI below max 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3485148 |
| XXXX | 2349264 | XXXX D B A | Closed | FCRE1503 | 2025-02-26 16:01 | 2025-06-09 08:51 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Received XXXX- Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. see attached XXXX. as mentioned below, we have transcripts, p&Ls, etc in file as well. - Seller-03/04/2025 <br> Counter-XXXX were not located in the loan file. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-we have transcripts, p&L's, pay stubs, tax returns. not sure why you think we don't meet the ATR.<br>- Seller-02/28/2025 <br> Open-ATR: The Lender did not document all ATR Factors Missing XXXX signed tax returns - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. see attached XXXX 1040s. as mentioned below, we have transcripts, p&Ls, etc in file as well. - Seller-03/04/2025 <br> Ready for Review-we have transcripts, p&L's, pay stubs, tax returns. not sure why you think we don't meet the ATR.<br>- Seller-02/28/2025 | Resolved-Received XXXX 1040 - Due Diligence Vendor-03/04/2025 | Long term residence - Long term subject residence, with mortgage history reporting since 2006, with no lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 51%<br>On time mortgage history exceeds guideline requirement - 18+ years |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3487904 |
| XXXX | 2349264 | XXXX D B A | Closed | FCRE1506 | 2025-02-26 16:01 | 2025-06-09 08:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received XXXX. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. see attached XXXX. as mentioned below, we have transcripts, p&Ls, etc in file as well. should not need signed returns if we have transcripts in file. - Seller-03/04/2025 <br> Counter-XXXX tax returns were not located in the loan file. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-disagree. We have tax returns, pay stubs, transcripts, p&L. etc. on top of that not sure why you are viewing this as business purpose. - Seller-02/28/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing XXXX signed tax returns - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. see attached XXXX 1040s. as mentioned below, we have transcripts, p&Ls, etc in file as well. should not need signed returns if we have transcripts in file. - Seller-03/04/2025 <br> Ready for Review-disagree. We have tax returns, pay stubs, transcripts, p&L. etc. on top of that not sure why you are viewing this as business purpose. - Seller-02/28/2025 | Resolved-Received 2023 1040. - Due Diligence Vendor-03/04/2025<br>| Long term residence - Long term subject residence, with mortgage history reporting since 2006, with no lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 51%<br>On time mortgage history exceeds guideline requirement - 18+ years |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3487905 |
| XXXX | 2349264 | XXXX D B A | Closed | FCRE1319 | 2025-02-25 18:08 | 2025-03-04 16:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-Received XXXX. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. Please see attached. Thanks - Seller-03/01/2025 <br> Open-Borrower 1 Personal Tax Returns Missing Missing XXXX personal tax return, only transcripts were provided. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Please see attached. Thanks - Seller-03/01/2025<br>| Resolved-Received 2023 1040. - Due Diligence Vendor-03/04/2025<br>| Long term residence - Long term subject residence, with mortgage history reporting since 2006, with no lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 51%<br>On time mortgage history exceeds guideline requirement - 18+ years |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3481000 |
| XXXX | 2349264 | XXXX D B A | Closed | FCRE1200 | 2025-02-25 18:41 | 2025-02-26 16:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/26/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX <br> - Due Diligence Vendor-02/25/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/26/2025<br>| Long term residence - Long term subject residence, with mortgage history reporting since 2006, with no lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 51%<br>On time mortgage history exceeds guideline requirement - 18+ years | 1. Max CLTV 90%, subject CLTV 51%<br> 2. Mtg history dating back to 2006 with no lates reporting<br>|  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3481206 |
| XXXX | 2349264 | XXXX D B A | Closed | FCRE1335 | 2025-02-26 16:13 | 2025-02-26 16:14 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/26/2025 <br> Open-Missing XXXX business transcripts - Due Diligence Vendor-02/26/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/26/2025<br>| Long term residence - Long term subject residence, with mortgage history reporting since 2006, with no lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 51%<br>On time mortgage history exceeds guideline requirement - 18+ years | 1. Max CLTV 90%, subject CLTV 51%<br> 2. Mtg history dating back to 2006 with no lates reporting |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3488003 |
| XXXX | 2615438 | XXXX C A | Closed | FCRE0044 | 2025-02-27 10:10 | 2025-03-04 10:52 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, all the inquiries on the UDM appear to be for the subject loan. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. The credit inquiries on UDM are all from when the broker pulled the trimerge Factual Data credit report on XXXX for borrower and co borrower. A LOE on inquiry should not be needed. See below snips. - Seller-03/03/2025 <br> Open-LOX for credit inquiries is missing. Inquiries on UDM not addressed - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. The credit inquiries on UDM are all from when the broker pulled the trimerge Factual Data credit report on XXXX for borrower and co borrower. A LOE on inquiry should not be needed. See below snips. - Seller-03/03/2025 | Resolved-Upon further review, all the inquiries on the UDM appear to be for the subject loan. - Due Diligence Vendor-03/04/2025<br>| CLTV is less than guidelines maximum - CLTV is 58% with max allowed to 70%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 695; minimum required 660. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3491846 |
| XXXX | 2488935 | XXXX D A | Closed | FCRE7497 | 2025-02-27 10:39 | 2025-03-12 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received acceptable confirmation REOs do not have HOA. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. Both REOs are SFRs with no HOA. Please clear. Thanks - Seller-03/11/2025 <br> Counter-Documentation to support the loans are escrowed for taxes and Insurance, however we are missing HOA verification. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. Please see attached HOI statement for XXXX and the Mtg statement for XXXX, which shows that the loan is escrowed. When escrowed, no additional documentation is required. - Seller-03/01/2025 <br> Open-No documentation or statement provided to address any potential HOA dues for properties XXXX and XXXX. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. Please see attached. Both REOs are SFRs with no HOA. Please clear. Thanks - Seller-03/11/2025 <br> Ready for Review-Document Uploaded. Please see attached HOI statement for XXXX and the Mtg statement for XXXX, which shows that the loan is escrowed. When escrowed, no additional documentation is required. - Seller-03/01/2025 | Resolved-Received acceptable confirmation REOs do not have HOA. - Due Diligence Vendor-03/12/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 52.911 is lower than the guideline max of 55.<br>Qualifying DTI below maximum allowed - Qualifying DTI 41.99 is lower than the guideline max of 50. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3492236 |
| XXXX | 2383285 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2368758 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2705323 | XXXX D B C A | Closed | FPRO0011 | 2025-02-28 13:37 | 2025-03-06 09:34 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. PDI uploaded - Seller-03/04/2025 <br> Open-XXXX-XXXX-INDIVIDUAL Only. PDI Report required - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. PDI uploaded - Seller-03/04/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/06/2025 | CLTV is less than guidelines maximum - Max CLTV 80%/Subject CLTV 68.39%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 / Borrower FICO 745 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3504316 |
| XXXX | 2705323 | XXXX D B C A | Closed | FCRE9549 | 2025-02-28 14:50 | 2025-03-04 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-Upon further review, the balance used for qualification was taken from the credit report. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. 1st line mortgage statement included in original upload, reuploaded - Seller-03/03/2025 <br> Open-Missing verification of balance of 1st mortgage lien for XXXX - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. 1st line mortgage statement included in original upload, reuploaded - Seller-03/03/2025<br>| Resolved-Upon further review, the balance used for qualification was taken from the credit report. - Due Diligence Vendor-03/04/2025<br>| CLTV is less than guidelines maximum - Max CLTV 80%/Subject CLTV 68.39%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 / Borrower FICO 745 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3505307 |
| XXXX | 2705323 | XXXX D B C A | Closed | FCRE1492 | 2025-02-28 14:02 | 2025-02-28 15:09 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception granted, waiver applied with comp factors. - Due Diligence Vendor-02/28/2025 <br>Open-Cash Out Does Not Meet Guideline Requirements - Existing second mortgage opened < 6 months ago. The loan file contains an approved exception. - Due Diligence Vendor-02/28/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. - Due Diligence Vendor-02/28/2025<br>| CLTV is less than guidelines maximum - Max CLTV 80%/Subject CLTV 68.39%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 / Borrower FICO 745 | Long Term Homeowner<br> Long Term Employment<br> FICO> 10pts above requirement |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3504623 |
| XXXX | 2705323 | XXXX D B C A | Closed | FCOM5135 | 2025-02-27 11:28 | 2025-02-27 11:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/27/2025<br>| CLTV is less than guidelines maximum - Max CLTV 80%/Subject CLTV 68.39%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720 / Borrower FICO 745 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3492899 |
| XXXX | 2967883 | XXXX C B A | Closed | FPRO1249 | 2025-02-28 09:26 | 2025-02-28 11:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted and in file, waiver applied with comp factors.<br> - Due Diligence Vendor-02/28/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program XXXX Zoning. Confirmed property is not used for XXXX. - Due Diligence Vendor-02/28/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors.<br> - Due Diligence Vendor-02/28/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower, borrower DTI 39.64%<br>Qualifying FICO score is at least 20 points above minimum for program - 783 > 720 required | 1. Max lender DTI 50%, Subject DTI < 35%<br> 2. Multiple mortgage since 2016, with no lates reporting. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3500724 |
| XXXX | 2368031 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2062903 | XXXX D B A C | Closed | FVAL1039 | 2025-03-03 13:45 | 2025-03-07 11:14 | Resolved | 1 - Information C A | Property | Value | Appraised value unsupported | Resolved-Upon further review, the loan file contained all required valuation documentations - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Per guidelines, this is the2nd, CDA is only required on transferred appraisals. Please clear - Seller-03/04/2025 <br>Open-Secondary valuation exceeds 2.5. Missing additional appraisal review product that supports value - Due Diligence Vendor-03/03/2025 | Ready for Review-Per guidelines, this is the2nd, CDA is only required on transferred appraisals. Please clear - Seller-03/04/2025<br>| Resolved-Upon further review, the loan file contained all required valuation documentations - Due Diligence Vendor-03/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 771 is higher than 720 minimum required <br>Months Reserves exceed minimum required - 48 months reserves higher than minimum required 0 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 3514942 |
| XXXX | 2062903 | XXXX D B A C | Closed | FCRE9549 | 2025-03-03 13:37 | 2025-03-07 10:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-Received confirmation of balance of 1st lien considered in CLTV. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. Per UW they used the balance from the most recent mortgage statement. The statement is from XXXX. We've uploaded the updated 1008 showing the updated balance and CLTV - Seller-03/06/2025 <br> Counter-Received MTG statements-they do not match the figure on final 1003 for balance of 1st lien mortgage. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. Statement reuploaded and included in original upload. - Seller-03/04/2025 <br> Open-Missing credit supplement that reflects balance of subject's first mortgage lien that matches amount used on final 1003 - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. Per UW they used the balance from the most recent mortgage statement. The statement is from XXXX. We've uploaded the updated 1008 showing the updated balance and CLTV - Seller-03/06/2025 <br> Ready for Review-Document Uploaded. Statement reuploaded and included in original upload. - Seller-03/04/2025 | Resolved-Received confirmation of balance of 1st lien considered in CLTV. - Due Diligence Vendor-03/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 771 is higher than 720 minimum required <br>Months Reserves exceed minimum required - 48 months reserves higher than minimum required 0 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 3514858 |
| XXXX | 2062903 | XXXX D B A C | Closed | FCOM5135 | 2025-02-28 10:06 | 2025-02-28 11:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/09/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 771 is higher than 720 minimum required <br>Months Reserves exceed minimum required - 48 months reserves higher than minimum required 0 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | Originator Post-Close | No | 3501127 |
| XXXX | 2342550 | XXXX C A | Closed | finding-3652 | 2025-03-03 15:37 | 2025-03-12 07:29 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC XXXX. Finding resolved. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-03/11/2025 <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 (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). 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 XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. see attached - Seller-03/11/2025<br>| Resolved-Received COC XXXX. Finding resolved. - Due Diligence Vendor-03/12/2025 | CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 28.93%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 32.64%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3516478 |
| XXXX | 2343558 | XXXX D A | Closed | FCRE1964 | 2025-03-03 18:16 | 2025-03-05 17:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received Bank Statement reflecting the receipt of retirement and SSA income. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025 <br>Open-1. Provide docs to verify recent receipt of Social Security Income for B1.<br> 2. Provide docs to verify recent receipt of Cal Pers Pension Income for B1.<br> - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025<br>| Resolved-Received Bank Statement reflecting the receipt of retirement and SSA income. - Due Diligence Vendor-03/05/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 37.25%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 660, borrower FICO is 747. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3517816 |
| XXXX | 2169342 | XXXX D A | Closed | FCRE3653 | 2025-03-05 12:43 | 2025-03-07 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received Lis Pendens cancellation for non borrower. - Due Diligence Vendor-03/07/2025 <br>Ready for Review-Document Uploaded. - Seller-03/06/2025 <br>Open-Missing explanation for Lis Pendens on fraud report pertaining to previous address. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. - Seller-03/06/2025<br>| Resolved-Received Lis Pendens cancellation for non borrower. - Due Diligence Vendor-03/07/2025<br>| Months Reserves exceed minimum required - 21 months reserves exceed 0 months required<br>CLTV is less than guidelines maximum - CLTV of 80% is less than 85% maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3534235 |
| XXXX | 2610366 | XXXX C B A | Closed | FCRE1200 | 2025-03-04 14:49 | 2025-03-11 12:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/05/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Lender Exception Granted for loan amount of XXXX being lower than guideline minimum of XXXX. - Due Diligence Vendor-03/04/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-03/05/2025<br>| Credit history exceeds minimum required - Mortgage history since 2017, with 0 lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV 64.94% | 1. Lender max CLTV is 90%, subject CLTV 64.94%<br> 2. Mortgage history since 2017, with 0 lates reporting. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3525871 |
| XXXX | 2610366 | XXXX C B A | Closed | FPRO0011 | 2025-03-05 13:42 | 2025-03-10 14:55 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. see attached PDI - Seller-03/07/2025 <br> Open---Property Condition Inspection dated prior to the disaster incident period ending.--<br> XXXX<br> Incident Period: XXXX<br> Major Disaster Declaration declared on XXXX - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. see attached PDI - Seller-03/07/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/10/2025 | Credit history exceeds minimum required - Mortgage history since 2017, with 0 lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV 64.94% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3535370 |
| XXXX | 2610366 | XXXX C B A | Closed | finding-47 | 2025-03-04 09:48 | 2025-03-07 07:17 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. See attached - Seller-03/06/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. See attached - Seller-03/06/2025<br>| Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-03/07/2025 | Credit history exceeds minimum required - Mortgage history since 2017, with 0 lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV 64.94% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3521262 |
| XXXX | 2440574 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2436165 | XXXX C A | Closed | FPRO0011 | 2025-03-07 14:03 | 2025-03-13 14:06 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. see attached - Seller-03/11/2025 <br> Open-XXXX<br> Incident Period: XXXX<br> Major Disaster Declaration declared on XXXX---PCI does not comment on the adverse event. PCI to be updated or full Post Disaster Inspection required. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. see attached - Seller-03/11/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-03/13/2025 | CLTV is less than guidelines maximum - Lender max CLTV is 90%, subject CLTV is 69.13%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 660, borrower FICO is 720 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3558505 |
| XXXX | 2803191 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2929336 | XXXX C B A | Closed | FCRE1193 | 2025-03-05 14:20 | 2025-03-12 15:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Income calculation worksheet received does not reflect expense factor. 20% expense factor monthly income XXXX. Received confirmation business pays Amex liability. Ratios are acceptable. - Due Diligence Vendor-03/12/2025 <br> Counter-Income calculation worksheet received does not reflect expense factor. 20% expense factor monthly income XXXX - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Please see attached revised income calculation based on 12 months vs. 13 months. Also attached is a snippet from the business bank statements showing that the business pays the XXXX card each month. The XXXX was excluded from the DTI. Revised DTI is 44.78% - Seller-03/11/2025 <br> Open-Audited DTI of 51.24% exceeds Guideline DTI of 50% DTI exceeds program maximum. Provide clarification as to why XXXX of deposits were included; however, only divided by XXXX on lender bank statement worksheet. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. Please see attached revised income calculation based on 12 months vs. 13 months. Also attached is a snippet from the business bank statements showing that the business pays the XXXX card each month. The XXXX was excluded from the DTI. Revised DTI is 44.78% - Seller-03/11/2025 | Resolved-Income calculation worksheet received does not reflect expense factor. 20% expense factor monthly income XXXX. Received confirmation business pays XXXX liability. Ratios are acceptable. - Due Diligence Vendor-03/12/2025 | Long term residence - Borrower has resided in subject primary since 2012, with no mortgage lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 70%, subject CLTV is 48.98%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3535962 |
| XXXX | 2929336 | XXXX C B A | Closed | FCRE1507 | 2025-03-10 09:36 | 2025-03-12 15:38 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-03/12/2025 <br>Ready for Review-we don't see where you are getting the 48% DTI, we should 48% CLTV but not DTI. DTI is 44.779%. Also, encompass has tested this loan as General ATR which is non-QM. so i don't understand - Seller-03/11/2025 <br>Open-The Originator QM Status is not the same as the Final QM Status. DTI ratio exceeds guidelines. - Due Diligence Vendor-03/10/2025 | Ready for Review-we don't see where you are getting the 48% DTI, we should 48% CLTV but not DTI. DTI is 44.779%. Also, encompass has tested this loan as General ATR which is non-QM. so i don't understand - Seller-03/11/2025<br>| Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-03/12/2025<br>| Long term residence - Borrower has resided in subject primary since 2012, with no mortgage lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 70%, subject CLTV is 48.98%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3568134 |
| XXXX | 2929336 | XXXX C B A | Closed | FCOM1301 | 2025-03-05 10:20 | 2025-03-05 10:20 | 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-03/05/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/05/2025<br>| Long term residence - Borrower has resided in subject primary since 2012, with no mortgage lates reporting.<br>CLTV is less than guidelines maximum - Lender max CLTV is 70%, subject CLTV is 48.98%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3531569 |
| XXXX | 2729763 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2136603 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2261904 | XXXX D B A | Closed | FCRE1316 | 2025-03-17 15:50 | 2025-03-24 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA letter provided. - Due Diligence Vendor-03/24/2025 <br>Counter-Received duplicate VVOE-provide update validation of self employment. - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. - Seller-03/20/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025<br>| Resolved-CPA letter provided. - Due Diligence Vendor-03/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 703<br>Months Reserves exceed minimum required - Minimum reserves is 0 months, Borrower has 11.84 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3629874 |
| XXXX | 2261904 | XXXX D B A | Closed | FCOM5135 | 2025-03-12 12:09 | 2025-03-12 12:55 | 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-03/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 703<br>Months Reserves exceed minimum required - Minimum reserves is 0 months, Borrower has 11.84 months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3592510 |
| XXXX | 2173939 | XXXX D A | Closed | FCOM1352 | 2025-03-17 14:14 | 2025-03-18 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is not required; only the occupancy affidavit was, which was in the loan file. - Due Diligence Vendor-03/18/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing BP Cert <br> - Due Diligence Vendor-03/17/2025 |  | Resolved-The Business Purpose Affidavit Disclosure is not required; only the occupancy affidavit was, which was in the loan file. - Due Diligence Vendor-03/18/2025<br>| CLTV is less than guidelines maximum - 69.29 CLTV is less than 80% guideline max<br>Months Reserves exceed minimum required - 12 months reserves exceed 0 month minimum required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3628425 |
| XXXX | 2698935 | XXXX C A | Closed | finding-3634 | 2025-03-18 16:34 | 2025-03-26 07:20 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Upon further review, finding resolved - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. The RLE when locked included the PCI charge. As for the XXXX it was cured at funding and reflects on the PCCD that is in the original package.<br>- Seller-03/25/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ....Zero (0%) tolerance fees increased by XXXX (Flood Certification [XXXX], Property Condition Inspection [XXXX}, and Tax Service fee [XXXX) without a valid COC in file. PCCD provided a credit of XXXXfor increase in closing costs. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX. XXXX credit provided for increase in Flood Cert and Tax Service Fee]<br> - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. The RLE when locked included the PCI charge. As for the XXXX it was cured at funding and reflects on the PCCD that is in the original package.<br>- Seller-03/25/2025 | Resolved------Upon further review, finding resolved - Due Diligence Vendor-03/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 754 is higher than the minimum required score of 660<br>CLTV is less than guidelines maximum - CLTV of 71.12% is below the maximum of 90% allowed per guidelines. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3640941 |
| XXXX | 2782007 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2974435 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2136356 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2658978 | XXXX C A | Closed | FCOM2328 | 2025-03-26 15:10 | 2025-04-02 14:54 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Escrow Account | Resolved-Received PCCD 4/1/25 with correction. - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Open-Final CD and PCCD, page 4 is missing reason for no escrow account established, either declined or lender does not offer one box is not checked. Provide a PCCD with correction within 60 days of consummation. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Received PCCD XXXX with correction. - Due Diligence Vendor-04/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - 774 FICO, 660 required<br>LTV is less than guideline maximum - 72% LTV, program allows 90% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3702356 |
| XXXX | 2202834 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2995659 | XXXX C A | Closed | FCRE8611 | 2025-03-27 12:58 | 2025-04-02 10:07 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Guideline max for NSF's applied to HELOC's. This loan is a closed end second. - Due Diligence Vendor-04/02/2025 <br>Open-Borrower has 4 NSF's. Per Guidelines no more than two (2) NSF's are allowed per 12-month period. for the ALT doc bank statement program. - Due Diligence Vendor-03/27/2025 |  | Resolved-Guideline max for NSF's applied to HELOC's. This loan is a closed end second. - Due Diligence Vendor-04/02/2025<br>| Qualifying DTI below maximum allowed - DTI is 38.84% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 700 and minimum allowed is 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3710751 |
| XXXX | 2579916 | XXXX C A | Closed | finding-3617 | 2025-03-26 16:59 | 2025-04-02 12:59 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD XXXX and final settlement statement from title company as confirmation of correct disbursement date. - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. - Seller-04/02/2025 <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 XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. <br> - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Received PCCD XXXX and final settlement statement from title company as confirmation of correct disbursement date. - Due Diligence Vendor-04/02/2025 | Months Reserves exceed minimum required - 38.93 vs. 0 required<br>Qualifying DTI below maximum allowed - 42.74% vs. 50% max |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3703586 |
| XXXX | 2579916 | XXXX C A | Closed | finding-47 | 2025-03-26 16:59 | 2025-04-02 12:59 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX and final settlement statement from title company as confirmation of correct disbursement date. - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. - Seller-04/02/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ------Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Received PCCD XXXX and final settlement statement from title company as confirmation of correct disbursement date. - Due Diligence Vendor-04/02/2025 | Months Reserves exceed minimum required - 38.93 vs. 0 required<br>Qualifying DTI below maximum allowed - 42.74% vs. 50% max |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3703587 |
| XXXX | 2149496 | XXXX B A | Closed | FCOM5135 | 2025-03-26 16:22 | 2025-03-26 16:22 | 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. - Due Diligence Vendor-03/26/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2025<br>| Months Reserves exceed minimum required - 25.27 months vs. 0 required<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 701 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3703147 |
| XXXX | 2032248 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2003842 | XXXX D B A | Closed | FCRE1506 | 2025-03-28 11:30 | 2025-04-18 14:32 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Originator waiver for the DTI ratio of 50.03% over the guideline max of 50%. Resolving with compensating factors of XXXX in residual income, 20 years in business and 0x30 mortgage lates since XXXX. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2025 <br> Counter-Upon further review, grossed up. DTI is 50.02% slightly exceeding the maximum allowed. Audited DTI - XXXX total combined income, XXXX subjects PITIA and XXXX in consumer debt. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. Rebut-please see attached 1099 that shows that NO income tax was taken out. No issue that it was grossed up. - Seller-04/08/2025 <br> Counter-DTI of 50.48% exceeds the max..allowed per guidelines of 50%. Pending additional income documentation. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Rebut - DTI is 49.930 and with guidelines. - Seller-03/29/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI of 50.48% exceeds the max..allowed per guidelines of 50%.<br> Missing proof of social security income. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/17/2025 <br>Ready for Review-Document Uploaded. Rebut-please see attached 1099 that shows that NO income tax was taken out. No issue that it was grossed up. - Seller-04/08/2025 <br>Ready for Review-Rebut - DTI is 49.930 and with guidelines. - Seller-03/29/2025<br>| Resolved-Received Originator waiver for the DTI ratio of 50.03% over the guideline max of 50%. Resolving with compensating factors of XXXX in residual income, 20 years in business and 0x30 mortgage lates since 2021. - Due Diligence Vendor-04/18/2025 | Verified employment history exceeds guidelines - Borrower has had his business for 20 years.<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30 mortgage lates since 2021. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3719792 |
| XXXX | 2003842 | XXXX D B A | Closed | FCRE1193 | 2025-03-28 11:50 | 2025-04-18 14:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Document Uploaded. Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Exception uploaded for your review. - Seller-04/17/2025 <br> Counter-Upon further review, grossed up. DTI is 50.02% slightly exceeding the maximum allowed. Audited DTI - XXXX total combined income, XXXX subjects PITIA and XXXX in consumer debt. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Please escalate this. The fact that there wasn't any income tax withheld on the 1099 should be sufficient proof that the annuity is non-taxed and can be grossed up per Fannie guidelines. - Seller-04/10/2025 <br> Counter-Received duplicate 1099 R-please provide confirmation annuity is non taxable and available for gross up. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2025 <br> Counter-Please provide supporting documentation XXXX Annuity is tax exempt and eligible for gross up 15% (non qualified annuity). - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. Rebut - please see attached. UW also used a 75% vacancy factor (net income of XXXX), and the XXXX pension was grossed up by 115% (XXXX) - Seller-03/29/2025 <br> Open-Audited DTI of 50.42% exceeds Guideline DTI of 50% Lender income for REO is higher than audit. Audit used standard 25% vacancy factor, unable to determine why lender's is higher.<br> Audit income calculation for pension is also slightly lower using 1099's provided. - Due Diligence Vendor-03/28/2025 | Ready for Review-Exception uploaded for your review. - Seller-04/17/2025 <br> Ready for Review-Please escalate this. The fact that there wasn't any income tax withheld on the 1099 should be sufficient proof that the annuity is non-taxed and can be grossed up per XXXX guidelines. - Seller-04/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/08/2025 <br> Ready for Review-Document Uploaded. Rebut - please see attached. UW also used a 75% vacancy factor (net income of XXXX), and the XXXX pension was grossed up by 115% (XXXX) - Seller-03/29/2025 | Waived-Document Uploaded. Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-04/18/2025<br>| Verified employment history exceeds guidelines - Borrower has had his business for 20 years.<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30 mortgage lates since 2021. | Mortgage history dating back to 2021 with no lates reported.<br> Borrower has had his business for almost 20 years | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3720113 |
| XXXX | 2003842 | XXXX D B A | Closed | FCRE5809 | 2025-03-28 14:44 | 2025-04-03 14:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Received Fictitious business name change, re license - as confirmed sole entity - Due Diligence Vendor-04/03/2025 <br>Ready for Review-REBUT-no operating agreement for a borrower with a DBA who files a Schedule C. Please escalate. - Seller-04/01/2025 <br>Counter-Received duplicate documentation-provide evidence borrower is 100% owner of their business (CPA letter/operating agreement). - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Rebut - please see attached. Borrower operates under a DBA in which he is 100% owner. - Seller-03/29/2025 <br>Open-Missing evidence borrower is 100% owner of their business (CPA letter/operating agreement). Documents provided do not indicate. - Due Diligence Vendor-03/28/2025 | Ready for Review-REBUT-no operating agreement for a borrower with a DBA who files a Schedule C. Please escalate. - Seller-04/01/2025 <br>Ready for Review-Document Uploaded. Rebut - please see attached. Borrower operates under a DBA in which he is 100% owner. - Seller-03/29/2025<br>| Resolved-Received Fictitious business name change, re license - as confirmed sole entity - Due Diligence Vendor-04/03/2025<br>| Verified employment history exceeds guidelines - Borrower has had his business for 20 years.<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30 mortgage lates since 2021. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3722470 |
| XXXX | 2003842 | XXXX D B A | Closed | FCRE1964 | 2025-03-28 14:42 | 2025-04-01 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received awards letter. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/29/2025 <br>Open-Missing proof of social security income, must meet guidelines. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/29/2025<br>| Resolved-Received awards letter. - Due Diligence Vendor-04/01/2025<br>| Verified employment history exceeds guidelines - Borrower has had his business for 20 years.<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30 mortgage lates since 2021. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3722450 |
| XXXX | 2577561 | XXXX B A | Closed | FCOM5135 | 2025-03-31 09:51 | 2025-03-31 09:51 | 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. - Due Diligence Vendor-03/31/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 796 - Minimum 660<br>CLTV is less than guidelines maximum - CLTV 32.43 / Maximum 90% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3729487 |
| XXXX | 2176091 | XXXX D A | Closed | FCRE9549 | 2025-04-02 15:53 | 2025-04-07 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-Received revised 1003 with the correct UPB. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Uploaded corrected Final 1003 reflecting 1st mortgage unpaid balance that matches credit supplement - Seller-04/04/2025 <br>Open-Missing for first mortgage lien with balance reflected that matches amount on Final 1003 - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Uploaded corrected Final 1003 reflecting 1st mortgage unpaid balance that matches credit supplement - Seller-04/04/2025<br>| Resolved-Received revised 1003 with the correct UPB. - Due Diligence Vendor-04/07/2025<br>| On time mortgage history exceeds guideline requirement - 12 months A-pay mortgage history required borrower has 39 months A-Pay mortgage history verified. <br>Months Reserves exceed minimum required - No reserves documented, 34 months reserves verified. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3755865 |
| XXXX | 2672376 | XXXX D A | Closed | FCRE1193 | 2025-04-02 16:58 | 2025-04-17 15:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated income calc provided. - Due Diligence Vendor-04/17/2025 <br> Counter-Exception for DTI to be provided. Audited DTI of 50.13% exceeds Guideline DTI of 50% - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Counter-Received updated income calc. Audited DTI of 51.76% exceeds Guideline DTI of 50% - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. worksheets uploaded - Seller-04/15/2025 <br> Counter-Received income calc and 1008/1003--audit and originators income calc for XXXX does not match. Lender 1003 reflects XXXX-worksheet reflects XXXX and audit validates only XXXX--Audit DTI is 53.36% exceed 50.00%. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. LOE, 1008, income & 1003 uploaded<br>- Seller-04/11/2025 <br> Counter-Received PITIA validation-final 1003--Audit DTI is 53.36% exceed 50.00%. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Updated 1003 showing which mortgage is attached to which property, and proof borrower owns company, Uploaded<br>• The heloc for XXXX is a new loan we are doing for the borrower on his primary home. It will be paying off XXXX which has been excluded from dti. The new loan payment with us has added to the dti which is a higher payment. The new loan with us has not closed yet <br>• XXXX XXXX belongs to the daughter who pays the mortgage for property XXXX. <br> • The 3 large business loans are attached to XXXX. Business pays the mortgage payment. Docs are in the file and submitted to tpr.<br>The dti is correct.<br> - Seller-04/08/2025 <br> Open-Audited DTI of 56.98% exceeds Guideline DTI of 50% could not reconcile the mortgage debt with the properties listed on the 1003 and the evidence provided in the file. 3 large business loans were not included in the DTI as the business pays and they do not report on the credit report. Also a LE or XXXX heloc for the primary residence was provided in the file with no explanation. An accurate DTI ratio cannot be calculated, Additional conditions may apply. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Ready for Review-Document Uploaded. worksheets uploaded - Seller-04/15/2025 <br> Ready for Review-Document Uploaded. LOE, 1008, income & 1003 uploaded<br>- Seller-04/11/2025 <br> Ready for Review-Document Uploaded. Updated 1003 showing which mortgage is attached to which property, and proof borrower owns company, Uploaded<br>• The heloc for XXXX is a new loan we are doing for the borrower on his primary home. It will be paying off XXXX which has been excluded from dti. The new loan payment with us has added to the dti which is a higher payment. The new loan with us has not closed yet <br>• NR/SMS/Cal XXXX belongs to the daughter who pays the mortgage for property XXXX <br> • The 3 large business loans are attached to XXXX. Business pays the mortgage payment. Docs are in the file and submitted to tpr.<br>The dti is correct.<br> - Seller-04/08/2025 | Resolved-Updated income calc provided. - Due Diligence Vendor-04/17/2025<br>| Long term residence - Borrower has been in their primary residence for 5.5 years. <br>Months Reserves exceed minimum required - 0 Reserves required, 16.61 months for subject. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3756683 |
| XXXX | 2672376 | XXXX D A | Closed | FCRE5116 | 2025-04-02 16:34 | 2025-04-10 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received PITIA validations - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Updated 1003 showing which mortgage is attached to which property, and proof borrower owns company, Uploaded<br>• The heloc for XXXX is a new loan we are doing for the borrower on his primary home. It will be paying off XXXX which has been excluded from dti. The new loan payment with us has added to the dti which is a higher payment. The new loan with us has not closed yet <br>• XXXX #XXXX belongs to the daughter who pays the mortgage for property XXXX. <br> • The 3 large business loans are attached to XXXX. Business pays the mortgage payment. Docs are in the file and submitted to tpr.<br>The dti is correct.<br> - Seller-04/08/2025 <br> Counter-All required documents provided, Please provide the Final CD for XXXX home equity loan for the primary residence if available. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. VOMs already included in original upload, reuploading - Seller-04/04/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The mortgage debts and the properties they are secured with cannot be reconciled with the information in the loan file. Please advise which properties are secured by which mortgages on the credit report and provide supporting evidence. Additionally, provide the Closing Disclosure for the XXXX home equity loan as shown for the borrower's primary residence as shown on the loan estimate identified in the file. Or provide evidence it did not close. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Updated 1003 showing which mortgage is attached to which property, and proof borrower owns company, Uploaded<br>• The heloc for XXXX is a new loan we are doing for the borrower on his primary home. It will be paying off XXXX which has been excluded from dti. The new loan payment with us has added to the dti which is a higher payment. The new loan with us has not closed yet <br>• XXXX XXXX belongs to the daughter who pays the mortgage for property XXXX. <br> • The 3 large business loans are attached to XXXX. Business pays the mortgage payment. Docs are in the file and submitted to tpr.<br>The dti is correct.<br> - Seller-04/08/2025 <br> Ready for Review-Document Uploaded. VOMs already included in original upload, reuploading - Seller-04/04/2025 | Resolved-Received PITIA validations - Due Diligence Vendor-04/10/2025<br>| Long term residence - Borrower has been in their primary residence for 5.5 years. <br>Months Reserves exceed minimum required - 0 Reserves required, 16.61 months for subject. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3756379 |
| XXXX | 2989937 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2954054 | XXXX D A C | Closed | FCRE1440 | 2025-04-03 13:31 | 2025-04-15 16:28 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit Report, Gap Report and Statement. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-Housing History Does Not Meet Guideline Requirements- Missing 12 months mortgage pay history for primary residence. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Received Credit Report, Gap Report and Statement. - Due Diligence Vendor-04/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum score 700.<br>LTV is less than guideline maximum - LTV 85% max 90%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3775508 |
| XXXX | 2954054 | XXXX D A C | Closed | FCRE5770 | 2025-04-03 13:31 | 2025-04-15 16:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report for both borrowers. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-Borrower 1 Credit Report is Missing. Missing credit report for B1 and B2. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Received Credit Report for both borrowers. - Due Diligence Vendor-04/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum score 700.<br>LTV is less than guideline maximum - LTV 85% max 90%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3775509 |
| XXXX | 2954054 | XXXX D A C | Closed | FCRE5782 | 2025-04-03 13:31 | 2025-04-15 16:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report for both borrowers. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Unable to determine if needed. if Credit report (Currently missing) is > 30 days from closing the document will be required. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Received Gap Report for both borrowers. - Due Diligence Vendor-04/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum score 700.<br>LTV is less than guideline maximum - LTV 85% max 90%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3775510 |
| XXXX | 2954054 | XXXX D A C | Closed | finding-3652 | 2025-04-01 15:45 | 2025-04-15 08:03 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <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 (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). 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 XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-04/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum score 700.<br>LTV is less than guideline maximum - LTV 85% max 90%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3745478 |
| XXXX | 2180215 | XXXX C B A | Closed | FCRE1193 | 2025-04-07 14:53 | 2025-06-09 11:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Document Uploaded. Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-06/09/2025 <br>Open-Audited DTI of 50.55% exceeds Guideline DTI of 50% Lender used incorrect amount for HOI. - Due Diligence Vendor-04/07/2025 |  | Waived-Document Uploaded. Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 Fico Score required, 713 verified. <br>CLTV is less than guidelines maximum - 85% CLTV allowed, 59.34% subject | 1. LTV > 10% below maximum <br> 2. FICO > 10 pts above requirement <br> 3. Long Term Employment (14 years | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3798784 |
| XXXX | 2180215 | XXXX C B A | Closed | FCRE1503 | 2025-04-08 14:57 | 2025-04-09 14:51 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-04/09/2025 <br>Open-ATR: The Lender did not document all ATR Factors Lender used incorrect amount for HOI results in excessive DTI. - Due Diligence Vendor-04/08/2025 |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-04/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 Fico Score required, 713 verified. <br>CLTV is less than guidelines maximum - 85% CLTV allowed, 59.34% subject |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3810226 |
| XXXX | 2180215 | XXXX C B A | Closed | FCRE1506 | 2025-04-08 14:57 | 2025-04-09 14:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review QM status is acceptable. - Due Diligence Vendor-06/09/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Lender used incorrect amount for HOI results in excessive DTI. - Due Diligence Vendor-04/08/2025 |  | Resolved-Upon further review QM status is acceptable. - Due Diligence Vendor-06/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 Fico Score required, 713 verified. <br>CLTV is less than guidelines maximum - 85% CLTV allowed, 59.34% subject |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3810227 |
| XXXX | 2935181 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2730962 | XXXX B A | Closed | FCOM5135 | 2025-04-10 06:45 | 2025-04-10 07:46 | 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-04/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-04/10/2025<br>| Verified employment history exceeds guidelines - Borrower has been at current employment for 34 years. <br>Long term residence - Borrower has been at residence 10 years. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3825339 |
| XXXX | 2947669 | XXXX D A | Closed | FCRE1335 | 2025-04-11 13:39 | 2025-05-06 12:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received transcripts for B2. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Counter-Received transcripts for B1. Missing W2 transcripts for B2. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <br> Open-Borrower 1 IRS Transcripts Missing Missing W2 transcripts for XXXX for B1 and B2 - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025 <br>Ready for Review-Document Uploaded. - Seller-04/29/2025<br>| Resolved-Received transcripts for B2. - Due Diligence Vendor-05/06/2025<br>| CLTV is less than guidelines maximum - 65.12% vs. 85% max<br>Months Reserves exceed minimum required - 29 months vs 0 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3842345 |
| XXXX | 2947669 | XXXX D A | Closed | FCOM1232 | 2025-04-11 08:03 | 2025-04-18 08:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received Final 1003 , finding resolved. - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. upl final 1003 - Seller-04/17/2025 <br>Open-The Final 1003 is Missing ----- Missing Final 1003. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. upl final 1003 - Seller-04/17/2025<br>| Resolved-Received Final 1003 , finding resolved. - Due Diligence Vendor-04/18/2025<br>| CLTV is less than guidelines maximum - 65.12% vs. 85% max<br>Months Reserves exceed minimum required - 29 months vs 0 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3837984 |
| XXXX | 2026972 | XXXX D A | Closed | FCRE1325 | 2025-04-18 12:42 | 2025-04-30 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CTEC letter confirm expense factor and validation of CTEC license. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. Uploaded CPA Letter with 30% expense factor. - Seller-04/29/2025 <br>Counter-CPA letter provided does not indicate an expense factor. Provide expense factor per either a CPA/CTEC/EA letter or P&L - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/22/2025 <br>Counter-Loan was submitted with Vista Point guidelines which requires a tax preparer letter and verification (CPA/CTEC/EA). - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Uploaded complete Rebuttal: Per guidelines we are not required to provide a CPA letter for 30% or 15%. Borrower met listed criteria for both - we used the most conservative. - Seller-04/21/2025 <br>Open-\*New\* Received revised bank statement analysis with 30% expense factor. Provide confirmation letter from CTEC/tax preparer 30% expense factor should be considered. Must validate CTEC license as well. . - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Uploaded CPA Letter with 30% expense factor. - Seller-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/22/2025 <br>Ready for Review-Document Uploaded. Uploaded complete Rebuttal: Per guidelines we are not required to provide a CPA letter for 30% or 15%. Borrower met listed criteria for both - we used the most conservative. - Seller-04/21/2025<br>| Resolved-Received CTEC letter confirm expense factor and validation of CTEC license. - Due Diligence Vendor-04/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum Fico 680, subject 707. <br>Months Reserves exceed minimum required - No reserves required, 1.93 months verified |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3902753 |
| XXXX | 2026972 | XXXX D A | Closed | FCRE4104 | 2025-04-15 10:37 | 2025-04-18 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received revised worksheet omitting large deposits. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-Missing evidence of the large deposits in XXXX - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Received revised worksheet omitting large deposits. - Due Diligence Vendor-04/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum Fico 680, subject 707. <br>Months Reserves exceed minimum required - No reserves required, 1.93 months verified |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3866576 |
| XXXX | 2026972 | XXXX D A | Closed | FCRE1193 | 2025-04-11 15:15 | 2025-04-18 12:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received restructured income worksheet. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Submitted response with supporting docs, updated Income Calculation Worksheet, 1008 and 1003... - Seller-04/16/2025 <br> Open-Audited DTI of 55.68% exceeds Guideline DTI of 50% Review of the bank statement deposits shows significantly less than the originator's calculation. The review calculation showed XXXX in gross deposits. Adding back 3 large deposits without explanation (XXXX) which is best case scenario the DTI ratio exceeds 50% when a 50% expense ratio is applied. Review of the originator's bank statement calculation also shows XXXX in gross deposits with XXXX net. XXXX which is the income used to qualify. It appears that the lenders calculation did not include any expense factor. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Submitted response with supporting docs, updated Income Calculation Worksheet, 1008 and 1003... - Seller-04/16/2025<br>| Resolved-Received restructured income worksheet. - Due Diligence Vendor-04/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum Fico 680, subject 707. <br>Months Reserves exceed minimum required - No reserves required, 1.93 months verified |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3843970 |
| XXXX | 2026972 | XXXX D A | Closed | FCRE7009 | 2025-04-11 14:15 | 2025-04-16 12:52 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Uploaded Replacement Cost Estimator - Seller-04/15/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Per the applicable guidelines the required insurance amount is 100% of the replacement cost of the improvements or the unpaid principal balance of all liens provided it equals no less than the replacement cost value. The insurance provided is not sufficient. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Uploaded Replacement Cost Estimator - Seller-04/15/2025<br>| Resolved-Received RCE - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum Fico 680, subject 707. <br>Months Reserves exceed minimum required - No reserves required, 1.93 months verified |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3842900 |
| XXXX | 2272231 | XXXX C A | Closed | FCRE0044 | 2025-04-14 18:53 | 2025-04-17 12:52 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry letter. - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. LOX for credit inquiries is attached :) - Seller-04/16/2025 <br>Open-LOX for credit inquiries is missing. No letter of explanation for the inquiries was identified in the file. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. LOX for credit inquiries is attached :) - Seller-04/16/2025<br>| Resolved-Received credit inquiry letter. - Due Diligence Vendor-04/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 716>680<br>Qualifying DTI below maximum allowed - 35%<50% allowed |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3861915 |
| XXXX | 2272231 | XXXX C A | Closed | finding-3635 | 2025-04-11 18:18 | 2025-04-17 08:06 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received PCCD XXXX, finding resolved. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. hi please see our final PCCD :) thank you. - Seller-04/16/2025 <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% (XXXX) exceed the comparable charges (XXXX) 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 XXXX, Recording XXXX, Endorsement XXXX) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is XXXX.<br> - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. hi please see our final PCCD :) thank you. - Seller-04/16/2025<br>| Resolved-----Received PCCD XXXX, finding resolved. - Due Diligence Vendor-04/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - 716>680<br>Qualifying DTI below maximum allowed - 35%<50% allowed |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3845970 |
| XXXX | 2520355 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2360649 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2651755 | XXXX C A | Closed | finding-806 | 2025-04-18 09:34 | 2025-04-22 09:55 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 489/344 Covered Loan Points and Fees Threshold Test | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-04/22/2025 <br> Open-This loan failed the points and fees threshold test.<br> (CA AB 344 §1 [CA FC §4970(b)(1)(B)])The total points and fees, as defined in California Financial Code § 4970, exceed 6% of the total loan amount, as defined in HOEPA (Section 32). -----The Total points and fees of XXXX exceeds the allowable amount of XXXX by XXXX.<br> - Due Diligence Vendor-04/18/2025 |  | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-04/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 Score required, subject 687. <br>Long term residence - Borrower at residence for 18 years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3899900 |
| XXXX | 2651755 | XXXX C A | Closed | finding-3635 | 2025-04-18 09:34 | 2025-04-21 16:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Lender credit of XXXX on CD. Resolved - Due Diligence Vendor-04/21/2025 <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% (XXXX) exceed the comparable charges (XXXX) 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). Lender credit of XXXX on CD. Resolved - Due Diligence Vendor-04/18/2025 |  | Resolved-Lender credit of XXXX on CD. Resolved - Due Diligence Vendor-04/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - 660 Score required, subject 687. <br>Long term residence - Borrower at residence for 18 years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3899904 |
| XXXX | 2158803 | XXXX C A | Closed | finding-3634 | 2025-04-24 09:10 | 2025-04-25 12:24 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Zero (0%) tolerance fees increased by XXXX (Credit Report) without a valid COC in file. Final CD provided a XXXX credit for increase in closing costa above the legal limit. - Due Diligence Vendor-04/25/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/24/2025 |  | Resolved-Zero (0%) tolerance fees increased by XXXX (Credit Report) without a valid COC in file. Final CD provided a XXXX credit for increase in closing costa above the legal limit. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - 735 FICO, 700 required<br>LTV is less than guideline maximum - 70% LTV, program allows 75% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3949276 |
| XXXX | 2420296 | XXXX D B A C | Closed | FCRE5782 | 2025-04-25 09:05 | 2025-04-28 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received GAP report dated within 15 days of closing as per guidelines - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. - Seller-04/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report dated within 15 days o the note date for borrower 1. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Received GAP report dated within 15 days of closing as per guidelines - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 716, guideline minimum is 660.<br>Qualifying DTI below maximum allowed - he calculated DTI is 38.16%, guideline max is 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3961615 |
| XXXX | 2420296 | XXXX D B A C | Closed | FCRE5783 | 2025-04-25 09:05 | 2025-04-28 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received GAP report dated within 15 days of closing as per guidelines - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. - Seller-04/28/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing the required GAP credit report dated within 15 days o the note date for borrower 2. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Received GAP report dated within 15 days of closing as per guidelines - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 716, guideline minimum is 660.<br>Qualifying DTI below maximum allowed - he calculated DTI is 38.16%, guideline max is 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3961616 |
| XXXX | 2420296 | XXXX D B A C | Closed | FCRE1108 | 2025-04-23 17:49 | 2025-04-28 12:26 | Resolved | 1 - Information C A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-Upon further review there is no issue with the P&I payment on the Note. Subject loan is in XXXX and subject to simple interest calculation - Due Diligence Vendor-04/28/2025 <br> Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds XXXX) Simple interest loan and payment on note does not reflect correct payment of XXXX - Due Diligence Vendor-04/24/2025 |  | Resolved-Upon further review there is no issue with the P&I payment on the Note. Subject loan is in WA and subject to simple interest calculation - Due Diligence Vendor-04/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 716, guideline minimum is 660.<br>Qualifying DTI below maximum allowed - he calculated DTI is 38.16%, guideline max is 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3944677 |
| XXXX | 2420296 | XXXX D B A C | Closed | finding-3634 | 2025-04-23 17:50 | 2025-04-25 11:20 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-\*\*\*\*\*Zero (0%) tolerance fees increased by XXXX without a valid COC in file. Final CD includes XXXX credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-04/25/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*Zero (0%) tolerance fees increased by XXXX without a valid COC in file. Final CD includes XXXX credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-04/23/2025 |  | Resolved-\*\*\*\*\*Zero (0%) tolerance fees increased by XXXX without a valid COC in file. Final CD includes XXXX credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-04/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 716, guideline minimum is 660.<br>Qualifying DTI below maximum allowed - he calculated DTI is 38.16%, guideline max is 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3944685 |
| XXXX | 2420296 | XXXX D B A C | Closed | FCOM5135 | 2025-04-23 17:26 | 2025-04-23 17:55 | 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-04/23/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material finding. - Due Diligence Vendor-04/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 716, guideline minimum is 660.<br>Qualifying DTI below maximum allowed - he calculated DTI is 38.16%, guideline max is 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3944501 |
| XXXX | 2448899 | XXXX C A | Closed | finding-47 | 2025-04-25 16:50 | 2025-06-09 12:32 | Resolved | 1 - Information A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-06/09/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-06/09/2025 |  | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-06/09/2025 | CLTV is less than guidelines maximum - 75% vs. max 90% LTV<br>Months Reserves exceed minimum required - 42 months available vs 0 required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3968684 |
| XXXX | 2448899 | XXXX C A | Closed | FCOM5559 | 2025-04-28 11:10 | 2025-06-09 11:33 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Summaries of Transactions | Resolved-Received PCCD XXXX5, corrected duplicate fee in payoffs and payments. Finding resolved. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. See uploaded PCCD - Seller-05/02/2025 <br> Open-Per the letter from the CA Dept of Tax and Fee Administration, there are two tax liens with a total of XXXX. The 1003 and the CD entered this amount twice, which is incorrect. The tax certificate numbers match what is on title. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. See uploaded PCCD - Seller-05/02/2025<br>| Resolved-Received PCCD XXXX, corrected duplicate fee in payoffs and payments. Finding resolved. - Due Diligence Vendor-06/09/2025 | CLTV is less than guidelines maximum - 75% vs. max 90% LTV<br>Months Reserves exceed minimum required - 42 months available vs 0 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3979508 |
| XXXX | 2491358 | XXXX C A | Closed | FPRO0011 | 2025-04-28 13:11 | 2025-05-06 12:42 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-XXXX<br> Incident Period: XXXX<br> Major Disaster Declaration declared on XXXX<br> \*\*\*No comment noted by Appraiser regarding recent disaster as required by guide.<br> - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-05/06/2025 | CLTV is less than guidelines maximum - 60% vs. max LTV of 75%<br>Qualifying DTI below maximum allowed - 35% vs. max of 50% DTI |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3981696 |
| XXXX | 2767635 | XXXX B A | Closed | FCRE1182 | 2025-04-29 09:15 | 2025-05-09 09:12 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-05/01/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/01/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-05/02/2025<br>| CLTV is less than guidelines maximum - CLTV 69.96% CLTV. Allowed 75%<br>Long term residence - B1 & B2 living in current home for 14 years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3990859 |
| XXXX | 2594471 | XXXX D A | Closed | FCRE7497 | 2025-05-02 15:51 | 2025-06-03 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Coop fee provided. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/03/2025 <br> Counter-Received clarification of re taxes included in Coop fee-please document coop fee and HOA for property. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/15/2025 <br> Open-Per the application the borrower owns a property XXXX, which is owned free and clear. Missing verification of the taxes, insurance and HOA for this property. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/15/2025<br>| Resolved-Coop fee provided. - Due Diligence Vendor-06/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 693, minimum required is 660.<br>Qualifying DTI below maximum allowed - The calculated DTI is 3.8%, maximum allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4032275 |
| XXXX | 2594471 | XXXX D A | Closed | FCRE1506 | 2025-05-02 16:55 | 2025-06-03 14:52 | 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-06/03/2025 <br> Resolved-The borrower company was initially filed in XXXX in XXXX and remains active in XXXX. The filing for XXXX was in XXXX and remains active. Documents provided confirm XXXX since 2009. - Due Diligence Vendor-05/29/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income findings. - Due Diligence Vendor-05/02/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/03/2025 <br> Resolved-The borrower company was initially filed in XXXX in XXXX and remains active in XXXX. The filing for XXXX was in XXXX and remains active. Documents provided confirm XXXX since XXXX. - Due Diligence Vendor-05/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 693, minimum required is 660.<br>Qualifying DTI below maximum allowed - The calculated DTI is 3.8%, maximum allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4033151 |
| XXXX | 2594471 | XXXX D A | Closed | FCRE7009 | 2025-05-02 15:03 | 2025-06-02 12:28 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Replacement cost per appraisal is XXXX - Due Diligence Vendor-06/02/2025 <br> Counter-Documentation is insufficient-per guidelines RCE or must cover loan amounts. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Page four of appraisal report shows the replacement cost of the property. XXXX valuation is mostly from the value of the land. - Seller-05/16/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. The total coverage amount including the extended replacement coverage equals XXXX The outstanding balances of all liens equals XXXX. Per the guidelines, there should be sufficient coverage to cover all outstanding liens. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Page four of appraisal report shows the replacement cost of the property. XXXX valuation is mostly from the value of the land. - Seller-05/16/2025 | Resolved-Replacement cost per appraisal is XXXX - Due Diligence Vendor-06/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 693, minimum required is 660.<br>Qualifying DTI below maximum allowed - The calculated DTI is 3.8%, maximum allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4031567 |
| XXXX | 2594471 | XXXX D A | Closed | FCRE1325 | 2025-05-02 15:35 | 2025-05-29 13:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Document Uploaded. The borrower company was initially filed in NV in 2009 and remains active in NV. The filing for XXXX was in XXXX and remains active. Documents provided confirm SE since XXXX. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-3rd page shows corporation was created in XXXX. - Seller-05/16/2025 <br> Counter-Documentation received is insufficient-must validate business existence for 2+ years. Original finding remains. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/14/2025 <br> Open-Borrower 1 CPA Letter Missing Missing the required CPA letter supporting two years of continuous self employment. - Due Diligence Vendor-05/02/2025 | Ready for Review-3rd page shows corporation was created in 2009. - Seller-05/16/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/14/2025<br>| Resolved-Document Uploaded. The borrower company was initially filed in XXXX in XXXX and remains active in XXXX. The filing for XXXX was in XXXX and remains active. Documents provided confirm XXXX since XXXX. - Due Diligence Vendor-05/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 693, minimum required is 660.<br>Qualifying DTI below maximum allowed - The calculated DTI is 3.8%, maximum allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4032037 |
| XXXX | 2594471 | XXXX D A | Closed | FCRE7806 | 2025-05-02 15:35 | 2025-05-23 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received lenders bank statement worksheets and revised 1008/1003. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. Income updated on both 1003 and 1008. - Seller-05/22/2025 <br>Counter-Documentation provided is insufficient. Original finding remains. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Income was lower than what was on the 1003/1008. No adjustment needed. - Seller-05/16/2025 <br>Counter-Received bank statement worksheet-income does not mirror 1008 or final 1003-please clarify. - Due Diligence Vendor-05/16/2025 <br>Ready for Review-Document Uploaded. Please see attached income calculator. - Seller-05/15/2025 <br>Counter-Bank statement worksheet does not reflecting qualifying income-please provide all pages. - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. - Seller-05/09/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing The borrower was qualified with 12 months bank statements. Per the guidelines, the seller income calculation worksheet is required. Document in the file is incomplete - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. Income updated on both 1003 and 1008. - Seller-05/22/2025 <br>Ready for Review-Income was lower than what was on the 1003/1008. No adjustment needed. - Seller-05/16/2025 <br>Ready for Review-Document Uploaded. Please see attached income calculator. - Seller-05/15/2025 <br>Ready for Review-Document Uploaded. - Seller-05/09/2025<br>| Resolved-Received lenders bank statement worksheets and revised 1008/1003. - Due Diligence Vendor-05/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 693, minimum required is 660.<br>Qualifying DTI below maximum allowed - The calculated DTI is 3.8%, maximum allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4032039 |
| XXXX | 2594471 | XXXX D A | Closed | FCRE1316 | 2025-05-02 15:35 | 2025-05-07 16:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Upon further review, VVOE is not a required document for the program. - Due Diligence Vendor-05/07/2025 <br>Ready for Review-No VEO required on a bank statement loan. - Seller-05/06/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the verification of employment dated within 10 days of the note date. - Due Diligence Vendor-05/02/2025 | Ready for Review-No VEO required on a bank statement loan. - Seller-05/06/2025<br>| Resolved-Upon further review, VVOE is not a required document for the program. - Due Diligence Vendor-05/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 693, minimum required is 660.<br>Qualifying DTI below maximum allowed - The calculated DTI is 3.8%, maximum allowed is 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4032036 |
| XXXX | 2750055 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2738346 | XXXX B A | Closed | FCOM5135 | 2025-05-01 22:00 | 2025-05-01 22:00 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/02/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 66.72% is less than the guideline max of 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 700 credit score. Qualifying credit score is 726. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4022989 |
| XXXX | 2824322 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2694124 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2487963 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2442326 | XXXX C A | Closed | FCRE1509 | 2025-05-19 11:26 | 2025-06-02 14:01 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received corrected Note. - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Uploaded - Seller-05/29/2025 <br>Open-There are Issues Present on the Note that must be addressed. Borrower first name is misspelled, missing the "R" to match prelim title. - Due Diligence Vendor-05/19/2025 | Ready for Review-Uploaded - Seller-05/29/2025<br>| Resolved-Received corrected Note. - Due Diligence Vendor-06/02/2025<br>| CLTV is less than guidelines maximum - The calculated CLTV is 45.40%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 739, guideline minimum is 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4178793 |
| XXXX | 2442326 | XXXX C A | Closed | FCOM1221 | 2025-05-19 11:26 | 2025-06-02 13:57 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received recorded, corrected DOT. - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Open-The Deed of Trust is Incomplete Borrower first name is misspelled, missing the "R" to match prelim title. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-Received recorded, corrected DOT. - Due Diligence Vendor-06/02/2025<br>| CLTV is less than guidelines maximum - The calculated CLTV is 45.40%, guideline maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 739, guideline minimum is 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4178784 |
| XXXX | 2282531 | XXXX D B A | Closed | FCRE5782 | 2025-05-22 10:04 | 2025-05-27 14:10 | 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 credit documentation. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-05/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/22/2025<br>| Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 706; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 4.32% max 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4214072 |
| XXXX | 2282531 | XXXX D B A | Closed | FCRE1161 | 2025-05-22 09:56 | 2025-05-27 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Certification. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-05/22/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/22/2025<br>| Resolved-Received Flood Certification. - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 706; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 4.32% max 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4213959 |
| XXXX | 2282531 | XXXX D B A | Closed | FCRE1151 | 2025-05-22 09:41 | 2025-05-27 14:05 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received acceptable chain of title. - Due Diligence Vendor-05/27/2025 <br> Ready for Review-Document Uploaded. The promissory note shows XXXX when they bought the property. The property profile shows XXXX and legal description on title shows XXXX. They have owned the property since XXXX. All of these satisfied. - Seller-05/23/2025 <br> Open-Unsatisfactory Chain of Title provided. missing 24 months of chain of title to determine when subject was acquired as well. - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. The promissory note shows 2019 when they bought the property. The property profile shows 2019 and legal description on title shows 2019. They have owned the property since 2019. All of these satisfied. - Seller-05/23/2025<br>| Resolved-Received acceptable chain of title. - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 706; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 4.32% max 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4213769 |
| XXXX | 2282531 | XXXX D B A | Closed | FCRE7890 | 2025-05-22 10:46 | 2025-05-27 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Required Income Documentation for Bank Statement Program | Resolved-Received tax preparer confirmation borrower is 100% owner. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. Please see attached CPA Letter. - Seller-05/22/2025 <br>Open-Missing evidence that borrower is 100% owner of the business used to qualify using bank statements. - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. Please see attached CPA Letter. - Seller-05/22/2025<br>| Resolved-Received tax preparer confirmation borrower is 100% owner. - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 706; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 4.32% max 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4214731 |
| XXXX | 2282531 | XXXX D B A | Closed | FCRE1182 | 2025-05-22 10:12 | 2025-05-27 13:57 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/22/2025 <br>Open-Missing Approval/Underwriting Summary missing 1008 loan approval - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/22/2025<br>| Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 706; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 4.32% max 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4214170 |
| XXXX | 2282531 | XXXX D B A | Closed | FCOM5135 | 2025-05-16 12:23 | 2025-05-16 16:01 | 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-05/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 706; minimum score 660.<br>Qualifying DTI below maximum allowed - DTI 4.32% max 50%. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4164970 |
| XXXX | 2804237 | XXXX C A | Closed | FCRE1182 | 2025-05-20 03:14 | 2025-07-01 13:10 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-07/01/2025 <br>Resolved-Received 1008 - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-05/22/2025 <br>Open-Missing Approval/Underwriting Summary Missing 1008 - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/22/2025<br>| Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-07/01/2025 <br>Resolved-Received 1008 - Due Diligence Vendor-05/27/2025<br>| Months Reserves exceed minimum required - 48 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 725; guidelines require 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4187919 |
| XXXX | 2804237 | XXXX C A | Closed | FCRE2244 | 2025-05-19 22:23 | 2025-05-28 16:16 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the loan file contained all required appraisal documentation. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Can you please provide guideline text. We've looked through the guidelines and can't find anything that address appraisal transfers. - Seller-05/23/2025 <br>Open-Property Issues are identified for the property Appraisal can not be transferred per guideline pg 33. - Due Diligence Vendor-05/20/2025 | Ready for Review-Can you please provide guideline text. We've looked through the guidelines and can't find anything that address appraisal transfers. - Seller-05/23/2025<br>| Resolved-Upon further review, the loan file contained all required appraisal documentation. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - 48 mths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 725; guidelines require 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4186825 |
| XXXX | 2516829 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2178063 | XXXX D A | Closed | FCOM1262 | 2025-05-28 09:22 | 2025-05-29 11:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received Right of Rescission for borrower and non-borrower. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. hi please see attached - Seller-05/28/2025 <br>Ready for Review-Document Uploaded. hi please see attached - Seller-05/28/2025 <br>Open-Right of Rescission is Missing ----NEW----Provide executed ROR for both borrower and title holder. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. hi please see attached - Seller-05/28/2025 <br>Ready for Review-Document Uploaded. hi please see attached - Seller-05/28/2025<br>| Resolved-Received Right of Rescission for borrower and non-borrower. - Due Diligence Vendor-05/29/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 45.236 is less than the guideline max of 80.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.35 is less than the guideline max of 50. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4254868 |
| XXXX | 2178063 | XXXX D A | Closed | finding-47 | 2025-05-22 06:27 | 2025-05-28 09:24 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD 5/27/25 with correct disbursement date. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. - Seller-05/27/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025<br>| Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-05/29/2025 | CLTV is less than guidelines maximum - Qualifying CLTV 45.236 is less than the guideline max of 80.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.35 is less than the guideline max of 50. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4212256 |
| XXXX | 2178063 | XXXX D A | Closed | finding-3634 | 2025-05-22 06:27 | 2025-05-28 09:10 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Zero (0%) tolerance fees increased by XXXX (Appraisal Fee) without a valid COC in file. However there is a lender credit for fee's above legal limit in the amount of XXXX. Resolved. - Due Diligence Vendor-05/23/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by XXXX (Appraisal Fee) without a valid COC in file. However there is a lender credit for fee's above legal limit in the amount of XXXX. Resolved. - Due Diligence Vendor-05/22/2025 |  | Resolved-Zero (0%) tolerance fees increased by XXXX (Appraisal Fee) without a valid COC in file. However there is a lender credit for fee's above legal limit in the amount of XXXX. Resolved. - Due Diligence Vendor-05/23/2025 | CLTV is less than guidelines maximum - Qualifying CLTV 45.236 is less than the guideline max of 80.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.35 is less than the guideline max of 50. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4212255 |
| XXXX | 2843705 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 2718436 | XXXX C B A | Closed | finding-3634 | 2025-06-02 16:47 | 2025-06-06 08:35 | 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 XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Received business purpose rate quote, including discount points. - Due Diligence Vendor-06/06/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/06/2025 |  | 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 XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Received business purpose rate quote, including discount points. - Due Diligence Vendor-06/06/2025 | CLTV is less than guidelines maximum - Qualifying CLTV 64.95 is less than the guideline max of 80.<br>Qualifying DTI below maximum allowed - Qualifying DTI 37 is less than the guideline max of 50. |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4305114 |
| XXXX | 2718436 | XXXX C B A | Closed | FCOM5135 | 2025-06-02 16:25 | 2025-06-03 07:25 | 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-06/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/03/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 64.95 is less than the guideline max of 80.<br>Qualifying DTI below maximum allowed - Qualifying DTI 37 is less than the guideline max of 50. |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 4304681 |
| XXXX | 2781015 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 4**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Kroll** | **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 DBRS** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| XXXX | 2442326 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2385266 | XXXX | XXXX C | N/A C B | N/A B | A | A | N/A C | N/A C | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 2935181 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2158803 |  | XXXX A | N/A C | N/A C | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2658978 | XXXX | XXXX A | N/A C | N/A C | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2261904 | XXXX | XXXX D | N/A D B | N/A B | A | A | N/A D | N/A D | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 2202834 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2360649 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2989937 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2136356 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2420296 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A D | N/A D | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 2843705 | XXXX | XXXX A | N/A C | N/A C | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2343558 |  | XXXX D | N/A D | N/A | N/A | N/A | N/A C D | N/A D | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2301995 |  | XXXX D | N/A D | N/A | A | A | N/A D | N/A D B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 2383285 |  | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2889126 |  | XXXX A | N/A C | N/A C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2610366 |  | XXXX C | N/A C | N/A C | N/A C | N/A | N/A C | N/A C B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 2342550 |  | XXXX A | N/A C | N/A C | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2426698 |  | XXXX C | N/A C | N/A C | N/A | N/A | N/A C | N/A C B | N/A B | N/A B | N/A | N/A | N/A C B | N/A C |
| XXXX | 2349264 |  | XXXX D | N/A D | N/A | N/A | N/A | N/A C D | N/A D B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 2096442 |  | XXXX A | N/A C | N/A C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2233526 |  | XXXX A | N/A | N/A | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2440574 |  | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2436165 |  | XXXX A | N/A C | N/A C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2368758 |  | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2136603 |  | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2488935 |  | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2803191 |  | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2929336 |  | XXXX C | N/A C B | N/A B | N/A | N/A | N/A C | N/A C | N/A B | N/A B | N/A | N/A | N/A C B | N/A C |
| XXXX | 2967883 |  | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 2782007 |  | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2729763 |  | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2974435 |  | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2698935 |  | XXXX A | N/A C | N/A C | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2003842 |  | XXXX D | N/A D | N/A | N/A | N/A | N/A C D | N/A D B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 2032248 |  | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2480295 | XXXX | XXXX C | N/A C D | N/A D | C | C | N/A C D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2705323 | XXXX | XXXX D | N/A D B | N/A B | N/A C | N/A | N/A C D | N/A D B | N/A B | N/A B | N/A | N/A | N/A C B | N/A C |
| XXXX | 2390460 | XXXX | XXXX C | N/A C | N/A C | N/A | N/A | N/A C | N/A C B | N/A B | N/A | N/A | N/A | N/A C B | N/A C |
| XXXX | 2615438 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2026906 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2672376 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2738346 | XXXX | XXXX A | N/A B | N/A B | A | A | N/A B | N/A B | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 2520355 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2169342 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2062903 | XXXX | XXXX D | N/A D B | N/A B | N/A | N/A | N/A C D | N/A D | N/A B | N/A B | N/A | N/A | N/A C B | N/A C |
| XXXX | 2173939 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2730962 | XXXX | XXXX A | N/A B | N/A B | A | A | N/A B | N/A B | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 2577561 | XXXX | XXXX A | N/A B | N/A B | N/A | N/A | N/A C B | N/A C | N/A B | N/A B | N/A | N/A | N/A C B | N/A C |
| XXXX | 2026972 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2149496 | XXXX | XXXX A | N/A B | N/A B | A | A | N/A B | N/A B | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 2579916 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2180215 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C B | N/A B | N/A | A | A | N/A B | N/A B |
| XXXX | 2995659 | XXXX | XXXX C | N/A C | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2651755 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2176091 | XXXX | XXXX D | N/A D | N/A | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2947669 | XXXX | XXXX D | N/A D | N/A D | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2272231 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2448899 | XXXX | XXXX A | N/A C | N/A C | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2487963 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2694124 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2491358 | XXXX | XXXX A | N/A | N/A | C | C | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2750055 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2824322 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2178063 | XXXX | XXXX A | N/A D | N/A D | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2781015 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2516829 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2718436 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A C | N/A C | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 2594471 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A C D | N/A D | N/A | N/A | N/A | N/A | N/A C | N/A C |
| XXXX | 2767635 | XXXX | XXXX B | N/A B | N/A | A | A | N/A B | N/A B | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2804237 | XXXX | XXXX C | N/A C | N/A | A | A | N/A C | N/A C | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2282531 | XXXX | XXXX D | N/A D B | N/A B | A | A | N/A D | N/A D | N/A B | N/A B | A | A | N/A B | N/A B |
| XXXX | 2368031 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2101674 | XXXX | XXXX A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | A | A | N/A | N/A |
| XXXX | 2954054 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A D | N/A D | N/A | N/A | A | A | N/A | N/A |

---

## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 |
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 2480295 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/15/2024 | 6 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9999 | 01/20/2025 | 7.070% |  |  | No | 9.077% |  | 8.875% |  | $4772.35 | No | $2134.32 | $177.86 | $8922.96 | $743.58 | $0.00 | $0.00 | $1386.22 | $7080.01 | $25868.67 | N/A |  |  | $0.00 |  |  | 0.00% | 33.82% | 33.82% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | N/A | 0 | 12 | 100.00% | 49.00% | 51.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 156 | Yes | 156 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 \|\| Co Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/06/2024 | 12/06/2024 | 12/06/2024 |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 62.45 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2426698 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/09/2024 | 6 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | APOR Threshold | 13850 | 12/30/2024 | 6.280% |  |  | No | 9.815% |  | 9.500% |  | $5263.63 | No | $12003.72 | $1000.31 | $4163.04 | $346.92 | $99.96 | $8.33 | $4622.12 | $11241.31 | $15497.09 | N/A | XXXX | XXXX | $8.33 | 01/01/2026 | Annually | 0.00% | 48.34% | 48.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 4.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/08/2024 | 12/08/2024 |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 63.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2385266 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/15/2024 | 6 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 2349 | 11/11/2024 | 6.780% |  |  | No | 11.754% |  | 11.125% |  | $721.34 | No | $6499.08 | $541.59 | $1590.72 | $132.56 | $0.00 | $0.00 | $1799.39 | $3194.88 | $3881.05 | N/A |  |  | $0.00 |  |  | 0.00% | 49.43% | 49.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/11/2024 | 11/11/2024 |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 60429.36 | 18.9 | No | 57.36 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2026906 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/15/2024 | 6 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2699 | 01/13/2025 | 6.980% |  |  | No | 11.127% |  | 10.625% |  | $924.10 | No | $9012.96 | $751.08 | $3258.12 | $271.51 | $480.00 | $40.00 | $2210.13 | $4196.82 | $5090.52 | N/A | XXXX | XXXX | $40.00 |  | Monthly | 0.00% | 45.99% | 45.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 66 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 | XXXX | XXXX | XX | XXXX | XXXX | 12/27/2024 | 12/27/2024 |  |  |  | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3202.27 | 0.8 | 3202.27 | 0.8 | No | 72.42 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2390460 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/15/2024 | 6 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 8022.73 | 01/27/2025 | 6.930% |  |  | No | 9.984% |  | 9.375% |  | $1416.02 | No | $3548.28 | $295.69 | $4857.00 | $404.75 | $99.96 | $8.33 | $1544.98 | $3669.77 | $4887.60 | N/A | XXXX | XXXX | $8.33 |  | Annually | 0.00% | 48.03% | 48.03% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | 1 Month | N/A | 0 | Yes | 12 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 55.99% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | FNMA 1005 | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2023, 2025 \|\| Co Borrower - Wage, Overtime and Bonus, Commission - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2023, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/20/2024 | 11/20/2024 | 11/20/2024 |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XXXX | XXXX | XX | XXXX |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 65.48 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2889126 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/09/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 10945 | 01/20/2025 | 7.070% |  |  | No | 8.983% |  | 8.750% |  | $4720.20 | No | $26050.20 | $2170.85 | $4133.04 | $344.42 | $0.00 | $0.00 | $9223.29 | $16458.76 | $23081.24 | N/A |  |  | $0.00 |  |  | 0.00% | 47.72% | 47.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 12 | No | N/A | 0 | 0 | 92.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 372 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Retirement - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/03/2024 | 11/03/2024 |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 462469.96 | 28.1 | No | 51.68 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2101674 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/15/2024 | 6 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5744 | 01/06/2025 | 6.890% |  |  | No | 10.073% |  | 9.875% |  | $3577.60 | No | $8685.60 | $723.80 | $2150.04 | $179.17 | $0.00 | $0.00 | $2074.46 | $6555.03 | $10377.80 | N/A |  |  | $0.00 |  |  | 0.00% | 45.14% | 45.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 12/20/2024 | 12/20/2024 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 65.79 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2096442 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/09/2024 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | QM Points and Fees Exceeded | 5045 | 01/20/2025 | 7.070% |  |  | No | 9.519% |  | 9.000% |  | $1086.24 | No | $6753.48 | $562.79 | $951.96 | $79.33 | $0.00 | $0.00 | $2024.03 | $3752.39 | $5413.61 | N/A |  |  | $0.00 |  |  | 0.00% | 42.97% | 42.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 276 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/08/2025 | 01/08/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 14613.25 | 3.9 | No | 74.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2233526 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6496.16 | 01/27/2025 | 6.930% |  |  | No | 9.612% |  | 9.125% |  | $1543.73 | No | $8327.16 | $693.93 | $999.96 | $83.33 | $0.00 | $0.00 | $2152.13 | $4473.12 | $5507.91 | N/A |  |  | $0.00 |  |  | 0.00% | 44.95% | 44.95% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Written Verification of Employment | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 4.36% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 36 | 36 | Work Number | Yes | 24 | 24 | Work Number | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, 1 YR IRS Transcripts Verified - 2024, 2023 \|\| Co Borrower - Wage, Overtime and Bonus - Written VOE Verified - 2024, 2023 | Borrower - 1 YR IRS Transcripts Verified - 2024, 2023 \|\| Co Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 01/09/2025 | 01/09/2025 | 01/10/2025 |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 52337.03 | 11.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2301995 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/15/2024 | 1 | XXXX | ATR/QM: Exempt | No | Yes | No | N/A | N/A | 3457.33 | 12/23/2024 | 6.770% |  |  | No | 10.532% |  | 9.750% |  | $706.65 | No | $1845.48 | $153.79 | $1497.00 | $124.75 | $3780.00 | $315.00 | $1359.08 | $2659.27 | $3640.03 | Yes | XXXX | XXXX | $315.00 | 03/01/2025 | Monthly | 0.00% | 33.59% | 33.59% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/12/2025 | 02/12/2025 |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 76076.90 | 28.6 | No | 69.94 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2349264 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/15/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1495 | 01/20/2025 | 7.070% |  |  | No | 8.722% |  | 8.250% |  | $601.01 | No | $4784.52 | $398.71 | $13752.96 | $1146.08 | $720.00 | $60.00 | $1499.31 | $3705.11 | $9418.56 | N/A | XXXX | XXXX | $60.00 | 03/01/2025 | Monthly | 0.00% | 48.35% | 48.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 1 | 1 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% |  |  | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), YTD Profit And Loss Verified, Less than 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/09/2025 | 01/09/2025 |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 72636.18 | 13.9 | No | 50.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2615438 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3574 | 01/20/2025 | 7.070% |  |  | No | 11.124% |  | 10.500% |  | $914.74 | No | $11570.64 | $964.22 | $5729.16 | $477.43 | $0.00 | $0.00 | $3288.10 | $5644.49 | $10887.21 | N/A |  |  | $0.00 |  |  | 0.00% | 45.03% | 45.03% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/09/2024 | 12/09/2024 | 12/09/2024 |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 72.74 | 0 | 72.74 | 0 | No | 58.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2488935 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A | 9826.48 | 01/27/2025 | 6.930% |  |  | No | 12.400% |  | 11.875% |  | $2931.83 | No | $12140.40 | $1011.70 | $3194.16 | $266.18 | $0.00 | $0.00 | $3819.32 | $8029.03 | $25114.77 | N/A |  |  | $0.00 |  |  | 0.00% | 41.99% | 41.99% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/14/2025 | 01/14/2025 |  |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 52.91 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2383285 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5450 | 01/13/2025 | 6.980% |  |  | No | 11.950% |  | 11.625% |  | $3037.51 | No | $8288.64 | $690.72 | $7202.04 | $600.17 | $0.00 | $0.00 | $1900.06 | $6228.46 | $17749.54 | N/A |  |  | $0.00 |  |  | 0.00% | 26.45% | 26.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/12/2025 | 02/12/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2368758 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/09/2024 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | QM Points and Fees Exceeded | 5503.5 | 02/03/2025 | 6.920% |  |  | No | 9.948% |  | 9.500% |  | $1516.40 | No | $2351.76 | $195.98 | $2387.04 | $198.92 | $0.00 | $0.00 | $1019.57 | $2930.87 | $9398.13 | N/A |  |  | $0.00 |  |  | 0.00% | 35.17% | 35.17% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 49.00% | 51.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 \|\| Co Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/21/2025 | 01/21/2025 | 01/21/2025 |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.97 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2705323 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/15/2024 | 6 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7748 | 01/06/2025 | 6.890% |  |  | No | 9.741% |  | 9.250% |  | $1645.35 | No | $8322.72 | $693.56 | $1708.32 | $142.36 | $0.00 | $0.00 | $1495.63 | $3976.90 | $13875.20 | N/A |  |  | $0.00 |  |  | 0.00% | 46.73% | 46.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 92.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 59 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/25/2024 | 10/25/2024 |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 72164.82 | 18.2 | No | 68.39 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2967883 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 7395 | 02/10/2025 | 6.870% |  |  | No | 9.044% |  | 8.750% |  | $2438.77 | No | $9212.76 | $767.73 | $3287.04 | $273.92 | $0.00 | $0.00 | $2221.30 | $5701.72 | $26798.25 | N/A |  |  | $0.00 |  |  | 0.00% | 39.64% | 39.64% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/22/2025 | 01/22/2025 |  |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2368031 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7624 | 01/27/2025 | 6.930% |  |  | No | 10.849% |  | 10.250% |  | $1792.20 | No | $10848.00 | $904.00 | $8096.28 | $674.69 | $0.00 | $0.00 | $2812.63 | $6183.52 | $10664.41 | N/A |  |  | $0.00 |  |  | 0.00% | 41.33% | 41.33% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 1 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 51 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/03/2024 | 12/03/2024 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 185454.35 | 30 | No | 79.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2062903 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9845 | 02/10/2025 | 6.870% |  |  | No | 8.819% |  | 8.625% |  | $4666.74 | No | $16218.84 | $1351.57 | $2655.00 | $221.25 | $2592.00 | $216.00 | $5557.39 | $12012.95 | $55726.30 | N/A | XXXX | XXXX | $216.00 | 03/01/2025 | Monthly | 0.00% | 44.74% | 44.74% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/27/2025 | 01/27/2025 | 01/27/2025 |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 578664.62 | 48.2 | No | 58.24 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2342550 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/15/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 4196.5 | 01/20/2025 | 7.070% |  |  | No | 8.378% |  | 8.250% |  | $3380.70 | No | $6223.80 | $518.65 | $4056.00 | $338.00 | $2288.04 | $190.67 | $2513.00 | $6941.02 | $15785.98 | N/A | XXXX | XXXX | $190.67 | 04/01/2025 | Monthly | 0.00% | 32.64% | 32.64% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 2 | 12 | Yes | N/A | 3 | 0 | 82.92% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 431 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Retirement - CPA Letter Verified, Award Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Retirement - Award Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/18/2024 | 12/18/2024 | 12/18/2024 |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 28.39 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2343558 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/09/2024 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4195 | 01/27/2025 | 6.930% |  |  | No | 8.829% |  | 8.375% |  | $912.09 | No | $25715.28 | $2142.94 | $4053.96 | $337.83 | $0.00 | $0.00 | $3753.65 | $7146.51 | $7487.75 | N/A |  |  | $0.00 |  |  | 0.00% | 49.07% | 49.07% | No | No |  |  |  |  |  |  | Retired | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 1 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, SSI and Disability - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified - 2023 - 2023 \|\| Co Borrower | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 - 2023 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/27/2024 | 11/27/2024 | 11/27/2024 |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 13346.64 | 1.9 | No | 37.03 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2169342 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6225.48 | 02/03/2025 | 6.920% |  |  | No | 10.349% |  | 10.000% |  | $2184.10 | No | $13711.68 | $1142.64 | $3833.04 | $319.42 | $0.00 | $0.00 | $7369.66 | $11015.82 | $66138.18 | N/A |  |  | $0.00 |  |  | 0.00% | 17.80% | 17.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/23/2025 | 01/23/2025 |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 234111.58 | 21.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2610366 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/15/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 1695 | 01/20/2025 | 7.070% |  |  | No | 9.175% |  | 8.625% |  | $505.56 | No | $1314.00 | $109.50 | $751.92 | $62.66 | $0.00 | $0.00 | $1362.20 | $2039.92 | $2070.40 | N/A |  |  | $0.00 |  |  | 0.00% | 49.63% | 49.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 9 | 9 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/27/2024 | 11/27/2024 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 64.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2440574 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/15/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 9745 | 01/27/2025 | 6.930% |  |  | No | 8.578% |  | 8.250% |  | $2854.81 | No | $13189.08 | $1099.09 | $1820.04 | $151.67 | $0.00 | $0.00 | $2055.92 | $6161.49 | $10926.32 | N/A |  |  | $0.00 |  |  | 0.00% | 36.18% | 36.18% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | Yes | 84 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - CPA Letter Verified, Business Bank Statements Verified | Borrower - 2024 - 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/16/2025 | 01/16/2025 | 01/16/2025 |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 34.88 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 2436165 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 4915 | 02/17/2025 | 6.880% |  |  | No | 9.159% |  | 8.875% |  | $1782.24 | No | $2869.20 | $239.10 | $1599.00 | $133.25 | $0.00 | $0.00 | $1233.60 | $3388.19 | $3704.81 | N/A |  |  | $0.00 |  |  | 0.00% | 49.31% | 49.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/13/2025 | 01/13/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.13 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2803191 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5495 | 02/17/2025 | 6.880% |  |  | No | 8.758% |  | 8.250% |  | $1292.18 | No | $7012.44 | $584.37 | $2510.16 | $209.18 | $0.00 | $0.00 | $1827.10 | $3912.83 | $14854.17 | N/A |  |  | $0.00 |  |  | 0.00% | 32.06% | 32.06% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 \|\| Co Borrower | Borrower - 2024 - 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/23/2025 | 01/23/2025 | 01/23/2025 |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX | Permanent Resident Alien | Permanent Resident Alien | N/A |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 159915.96 | 40.9 | No | 18.59 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2929336 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/09/2024 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3345.5 | 02/03/2025 | 6.920% |  |  | No | 10.557% |  | 10.125% |  | $975.50 | No | $3422.28 | $285.19 | $975.00 | $81.25 | $0.00 | $0.00 | $556.33 | $1898.27 | $3340.66 | N/A |  |  | $0.00 |  |  | 0.00% | 44.77% | 44.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 02/03/2025 | 02/03/2025 |  |  |  | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 78423.64 | 41.3 | No | 48.03 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2729763 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 22795 | 02/17/2025 | 6.880% |  |  | No | 10.021% |  | 9.625% |  | $6119.92 | No | $13096.08 | $1091.34 | $8990.64 | $749.22 | $0.00 | $0.00 | $1580.15 | $9540.63 | $15304.37 | N/A |  |  | $0.00 |  |  | 0.00% | 45.44% | 45.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/27/2025 | 01/27/2025 |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 188138.25 | 19.7 | No | 70.48 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2136603 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/15/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9370 | 01/27/2025 | 6.930% |  |  | No | 8.183% |  | 8.125% |  | $4046.61 | No | $13094.28 | $1091.19 | $947.88 | $78.99 | $0.00 | $0.00 | $2352.77 | $7569.56 | $10334.03 | N/A |  |  | $0.00 |  |  | 0.00% | 42.64% | 42.64% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 40.00% |  | Borrower Prepared | 12 | Borrower | Borrower Prepared | Borrower | 12 | NA | 0 | No | 0 | Yes | 100 | 38 | Work Number | Yes | 94 | 36 | Work Number | No | 0 |  |  | Borrower - Wage, SESCorp, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 01/21/2025 | 01/21/2025 | 01/21/2025 |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 84176.50 | 11.1 | 84176.50 | 11.1 | No | 64.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2261904 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 10004 | 01/13/2025 | 6.980% | Manual Underwriting | Manual Underwriting | No | 10.159% |  | 9.750% | 9.750% | $3007.04 | No | $7793.64 | $649.47 | $2357.52 | $196.46 | $2076.00 | $173.00 | $5133.62 | $9159.59 | $2958.41 | N/A | XXXX | XXXX | $173.00 | 05/01/2025 | Monthly | 17.07% | 23.69% | 23.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, N/A, N/A, N/A, N/A - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/18/2024 | 12/18/2024 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 78067.71 | 8.5 | No | 74.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2173939 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.125% |  | $1809.12 | No | $7406.76 | $617.23 | $6216.96 | $518.08 | $1380.00 | $115.00 | $929.67 | $3989.10 | $17249.54 | N/A | XXXX | XXXX | $115.00 |  | Monthly | 0.00% | 39.94% | 39.94% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 252 | 26 | FNMA 1005 | Yes | 360 | 36 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2023, 2022 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2023, 2022 | XXXX | XXXX | XX | XXXX | XXXX | 12/12/2024 | 12/12/2024 | 12/12/2024 |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 47943.92 | 12 | No | 69.29 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2698935 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6995 | 02/24/2025 | 6.850% |  |  | No | 9.430% |  | 8.875% |  | $1591.29 | No | $11253.96 | $937.83 | $2013.96 | $167.83 | $0.00 | $0.00 | $2952.42 | $5649.37 | $5762.56 | N/A |  |  | $0.00 |  |  | 0.00% | 49.66% | 49.66% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/10/2025 | 02/10/2025 | 02/10/2025 |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 188680.18 | 33.4 | No | 71.12 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2782007 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5995 | 03/03/2025 | 6.730% |  |  | No | 11.168% |  | 10.750% |  | $2053.66 | No | $3813.84 | $317.82 | $2427.72 | $202.31 | $287.04 | $23.92 | $1590.68 | $4188.39 | $40878.10 | N/A | XXXX | XXXX | $23.92 | 04/01/2025 | Annually | 0.00% | 14.89% | 14.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 51.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/06/2025 | 02/06/2025 |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 212169.15 | 50.7 | No | 89.83 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2974435 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6676.25 | 02/17/2025 | 6.880% |  |  | No | 10.306% |  | 9.625% |  | $1287.73 | No | $8945.64 | $745.47 | $3402.96 | $283.58 | $0.00 | $0.00 | $2505.98 | $4822.76 | $11193.10 | N/A |  |  | $0.00 |  |  | 0.00% | 45.62% | 45.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 25 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Business Bank Statements Verified, Lease Agreements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 01/31/2025 | 01/31/2025 |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 124063.85 | 25.7 | No | 79.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2136356 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5490 | 03/03/2025 | 6.730% |  |  | No | 9.217% |  | 9.000% |  | $2816.18 | No | $16410.84 | $1367.57 | $1680.96 | $140.08 | $2400.00 | $200.00 | $2201.04 | $6724.87 | $18766.85 | N/A | XXXX | XXXX | $200.00 |  | Monthly | 0.00% | 44.27% | 44.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 13 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | No | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 02/19/2025 | 02/19/2025 |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 43.34 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 2658978 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4715 | 03/03/2025 | 6.730% |  |  | No | 9.653% |  | 9.250% |  | $1439.68 | No | $4257.24 | $354.77 | $897.96 | $74.83 | $0.00 | $0.00 | $1565.42 | $3434.70 | $5926.05 | N/A |  |  | $0.00 |  |  | 0.00% | 47.41% | 47.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 2 | Borrower |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 01/08/2025 | 01/08/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 71.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2202834 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3390 | 03/03/2025 | 6.730% |  |  | No | 10.224% |  | 9.875% |  | $1215.69 | No | $3871.68 | $322.64 | $1690.20 | $140.85 | $0.00 | $0.00 | $3074.16 | $4753.34 | $15886.66 | N/A |  |  | $0.00 |  |  | 0.00% | 32.09% | 32.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 01/28/2025 | 01/28/2025 |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 73.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2995659 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1499 | 03/10/2025 | 6.620% |  |  | No | 9.393% |  | 9.250% |  | $1234.01 | No | $4711.44 | $392.62 | $2132.04 | $177.67 | $0.00 | $0.00 | $1250.69 | $3054.99 | $7711.04 | N/A |  |  | $0.00 |  |  | 0.00% | 38.84% | 38.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 02/20/2025 | 02/20/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 14948.22 | 4.9 | 107868.79 | 35.3 | No | 68.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2579916 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3046.5 | 03/03/2025 | 6.730% |  |  | No | 9.799% |  | 9.375% |  | $1135.34 | No | $1756.44 | $146.37 | $1652.04 | $137.67 | $432.00 | $36.00 | $1207.70 | $2663.08 | $5707.97 | N/A | XXXX | XXXX | $36.00 |  | Annually | 0.00% | 42.74% | 42.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/24/2024 | 12/24/2024 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 103671.32 | 38.9 | No | 79.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2149496 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1735 | 03/03/2025 | 6.470% |  |  | No | 12.210% |  | 11.750% |  | $1137.89 | No | $7136.52 | $594.71 | $2877.72 | $239.81 | $0.00 | $0.00 | $2076.78 | $4049.19 | $7234.99 | N/A |  |  | $0.00 |  |  | 0.00% | 43.95% | 43.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 | XXXX | XXXX | XX | XXXX | XXXX | 02/18/2025 | 02/18/2025 |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1445.81 | 0.4 | 102323.10 | 25.3 | No | 84.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2032248 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 19945 | 03/03/2025 | 6.730% |  |  | No | 8.433% |  | 8.125% |  | $5571.92 | No | $75405.36 | $6283.78 | $39594.96 | $3299.58 | $0.00 | $0.00 | $20720.25 | $35875.53 | $239056.90 | N/A |  |  | $0.00 |  |  | 0.00% | 41.92% | 41.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/21/2024 | 11/21/2024 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 737246.40 | 20.6 | No | 51.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2003842 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1538.75 | 02/24/2025 | 6.850% |  |  | No | 11.003% |  | 10.875% |  | $2592.95 | No | $17317.56 | $1443.13 | $2479.20 | $206.60 | $5028.00 | $419.00 | $4893.03 | $9554.71 | $11805.18 | N/A | XXXX | XXXX | $419.00 | 04/01/2025 | Monthly | 0.00% | 50.20% | 50.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Retirement, Retirement, SSI and Disability - 1 YR W2 1099 Verified, Award Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/14/2025 | 02/14/2025 |  |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 72.02 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2577561 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4260 | 02/24/2025 | 6.850% |  |  | No | 8.531% |  | 8.125% |  | $1121.17 | No | $10389.36 | $865.78 | $3176.04 | $264.67 | $0.00 | $0.00 | $877.95 | $3129.57 | $4358.53 | N/A |  |  | $0.00 |  |  | 0.00% | 43.84% | 43.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 12 | 0 | No |  |  |  | 55.01% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 01/23/2025 | 01/23/2025 |  |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4845.49 | 1.6 | 4845.49 | 1.6 | No | 31.06 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2176091 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7321.71 | 03/10/2025 | 6.620% |  |  | No | 10.943% |  | 10.250% |  | $1452.65 | No | $3416.28 | $284.69 | $1403.04 | $116.92 | $0.00 | $0.00 | $1498.05 | $3352.31 | $9573.08 | N/A |  |  | $0.00 |  |  | 0.00% | 49.36% | 49.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 2 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/17/2025 | 02/17/2025 |  |  |  | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 37000.00 | 11 | 114297.46 | 34.1 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2672376 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 11.625% |  | $1170.02 | No | $5661.96 | $471.83 | $3111.96 | $259.33 | $0.00 | $0.00 | $1386.13 | $3287.31 | $27251.33 | N/A |  |  | $0.00 |  |  | 0.00% | 49.81% | 49.81% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, SECorporation, SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 01/08/2025 | 01/08/2025 |  |  |  | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54601.74 | 16.6 | 54601.74 | 16.6 | No | 17.21 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2989937 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | $2188.02 | No | $6763.32 | $563.61 | $483.12 | $40.26 | $948.00 | $79.00 | $1368.06 | $4238.95 | $10304.15 | N/A | XXXX | XXXX | $79.00 |  | Monthly | 0.00% | 41.57% | 41.57% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 396 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 02/18/2025 | 02/18/2025 |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 270824.80 | 63.9 | No | 79.13 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 2954054 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5078.86 | 03/10/2025 | 6.620% |  |  | No | 11.848% |  | 11.250% |  | $1546.18 | No | $9158.88 | $763.24 | $7341.96 | $611.83 | $0.00 | $0.00 | $2046.06 | $4967.31 | $8227.69 | N/A |  |  | $0.00 |  |  | 0.00% | 42.37% | 42.37% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 74 | Yes | 74 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 \|\| Co Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 02/13/2025 | 02/13/2025 | 02/13/2025 |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2180215 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3106.5 | 02/24/2025 | 6.850% |  |  | No | 8.981% |  | 8.500% |  | $1080.32 | No | $4621.32 | $385.11 | $2515.20 | $209.60 | $0.00 | $0.00 | $1395.47 | $3070.50 | $4163.97 | N/A |  |  | $0.00 |  |  | 0.00% | 50.55% | 50.55% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/19/2024 | 12/19/2024 | 01/08/2025 |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 139299.00 | 45.4 | 139299.00 | 45.4 | No | 59.34 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2935181 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5574 | 03/17/2025 | 6.650% |  |  | No | 10.503% |  | 10.250% |  | $2733.11 | No | $10925.64 | $910.47 | $1507.20 | $125.60 | $0.00 | $0.00 | $3155.88 | $6925.06 | $24565.70 | N/A |  |  | $0.00 |  |  | 0.00% | 38.13% | 38.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 168 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/06/2024 | 12/06/2024 |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 49499.30 | 7.2 | No | 79.84 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2730962 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4524.03 | 03/24/2025 | 6.660% |  |  | No | 12.754% |  | 12.000% |  | $1059.47 | No | $6511.68 | $542.64 | $3535.56 | $294.63 | $0.00 | $0.00 | $1546.70 | $3443.44 | $4206.13 | N/A |  |  | $0.00 |  |  | 0.00% | 45.68% | 45.68% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 60 | 60 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/04/2025 | 02/04/2025 |  |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 77.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2947669 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2499 | 03/17/2025 | 6.650% |  |  | No | 10.030% |  | 9.625% |  | $849.99 | No | $4332.72 | $361.06 | $1191.96 | $99.33 | $576.00 | $48.00 | $1028.11 | $2386.49 | $7137.51 | N/A | XXXX | XXXX | $48.00 |  | Monthly | 0.00% | 38.03% | 38.03% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 02/11/2025 | 02/11/2025 | 02/11/2025 |  |  | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 69415.97 | 29.1 | No | 65.12 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2026972 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3279 | 03/03/2025 | 6.470% |  |  | No | 10.497% |  | 10.000% |  | $1466.83 | No | $6132.60 | $511.05 | $782.04 | $65.17 | $0.00 | $0.00 | $1852.49 | $3895.54 | $8667.52 | N/A |  |  | $0.00 |  |  | 0.00% | 46.56% | 46.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/18/2025 | 02/18/2025 |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | XXXX | Other | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 21.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2272231 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 10859.35 | 03/24/2025 | 6.660% |  |  | No | 9.991% |  | 9.500% |  | $2403.22 | No | $9213.12 | $767.76 | $2648.52 | $220.71 | $0.00 | $0.00 | $2746.59 | $6138.28 | $15250.53 | N/A |  |  | $0.00 |  |  | 0.00% | 34.54% | 34.54% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement |  |  |  |  |  | 0 |  |  |  |  |  |  | 3 | 0 |  |  | No | No | 0 | No | Yes |  | 0 | 12 | No |  | 0 | 0 | 100.00% | 100.00% |  |  |  | 0 |  |  |  | 0 | Yes | 60 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - null Personal Tax Returns Verified, null Business Tax Returns Verified(), CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, 3 YRS Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified - 2024, 2025 \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, 3 YRS Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), 3 YRS Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified - 2024, 2025 \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), 3 YRS Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 03/07/2025 | 03/07/2025 | 03/07/2025 |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15397.18 | 2.5 | 286993.25 | 46.8 | No | 25.98 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 2520355 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/11/2025 | 7 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3645.25 | 02/17/2025 | 6.880% |  |  | No | 10.503% |  | 10.125% |  | $1285.89 | No | $5877.00 | $489.75 | $1277.04 | $106.42 | $0.00 | $0.00 | $1635.76 | $3517.82 | $8114.05 | N/A |  |  | $0.00 |  |  | 0.00% | 44.98% | 44.98% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 60 | 60 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 01/16/2025 | 01/16/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 43404.41 | 12.3 | No | 79.09 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2360649 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11213.75 | 03/24/2025 | 6.660% |  |  | No | 9.357% |  | 9.250% |  | $2690.15 | No | $16740.84 | $1395.07 | $4333.20 | $361.10 | $0.00 | $0.00 | $1960.27 | $6406.59 | $6710.41 | N/A |  |  | $0.00 |  |  | 0.00% | 49.87% | 49.87% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Child Support - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/19/2025 | 02/19/2025 |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 319676.06 | 49.9 | No | 79.19 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2651755 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7228 | 03/31/2025 | 6.650% |  |  | No | 10.375% |  | 9.625% |  | $1359.98 | No | $7779.60 | $648.30 | $1289.40 | $107.45 | $0.00 | $0.00 | $1959.56 | $4075.29 | $12016.22 | N/A |  |  | $0.00 |  |  | 0.00% | 46.54% | 46.54% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 60 | 60 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/11/2025 | 02/11/2025 |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2158803 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 16990 | 03/17/2025 | 6.650% |  |  | No | 9.651% |  | 9.375% |  | $6238.12 | No | $23012.04 | $1917.67 | $2121.00 | $176.75 | $0.00 | $0.00 | $3020.09 | $11352.63 | $20745.31 | N/A |  |  | $0.00 |  |  | 0.00% | 47.17% | 47.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 2 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/17/2025 | 03/17/2025 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.34 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2420296 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4299.3 | 04/07/2025 | 6.620% |  |  | No | 9.693% |  | 9.250% |  | $740.94 | No | $4101.60 | $341.80 | $2559.96 | $213.33 | $2064.00 | $172.00 | $1235.99 | $2704.06 | $4447.56 | N/A | XXXX | XXXX | $172.00 |  | Monthly | 0.00% | 38.16% | 38.16% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 02/18/2025 | 02/18/2025 | 02/18/2025 |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.72 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2448899 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2799 | 03/24/2025 | 6.660% |  |  | No | 9.936% |  | 9.750% |  | $1997.53 | No | $8151.96 | $679.33 | $1191.84 | $99.32 | $0.00 | $0.00 | $2391.55 | $5167.73 | $8763.98 | N/A |  |  | $0.00 |  |  | 0.00% | 45.55% | 45.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 03/17/2025 | 03/17/2025 |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 223482.70 | 43.3 | No | 25.25 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2491358 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4601.5 | 03/31/2025 | 6.650% |  |  | No | 9.647% |  | 9.250% |  | $1398.55 | No | $8316.72 | $693.06 | $2413.56 | $201.13 | $0.00 | $0.00 | $1901.73 | $4194.47 | $12245.76 | N/A |  |  | $0.00 |  |  | 0.00% | 34.56% | 34.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025 - 2025 | Borrower - 2025 - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/13/2025 | 03/13/2025 |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 163371.58 | 39 | No | 59.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2767635 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  | $0.00 | 11.500% |  | $1178.45 | No | $5384.64 | $448.72 | $2838.00 | $236.50 | $0.00 | $0.00 | $1577.06 | $3440.73 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.264 | 1.2 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 12/30/2024 | 12/30/2024 | 12/30/2024 |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 111621.10 | 32.4 | No | 69.96 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2594471 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9345 | 04/14/2025 | 6.700% |  |  | No | 10.554% |  | 10.000% |  | $1930.66 | No | $11964.24 | $997.02 | $2102.04 | $175.17 | $0.00 | $0.00 | $3070.20 | $6173.05 | $214857.63 | N/A |  |  | $0.00 |  |  | 0.00% | 3.96% | 3.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/16/2025 | 03/16/2025 |  |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 29906.42 | 4.8 | 29906.42 | 4.8 | No | 69.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2750055 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.500% |  | $630.64 | No | $2205.36 | $183.78 | $824.52 | $68.71 | $0.00 | $0.00 | $1368.15 | $2251.28 | $6514.48 | N/A |  |  | $0.00 |  |  | 0.00% | 47.47% | 47.47% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, CPA Letter Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 03/20/2025 | 03/20/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 68973.28 | 30.6 | No | 14.59 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2738346 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13349 | 04/21/2025 | 6.810% |  |  | No | 9.396% |  | 9.125% |  | $4885.31 | No | $14517.84 | $1209.82 | $5039.04 | $419.92 | $0.00 | $0.00 | $4449.88 | $10964.93 | $27917.95 | N/A |  |  | $0.00 |  |  | 0.00% | 48.34% | 48.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESoleProprietor, Other REO Net Rental Income(Loss), SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 03/28/2025 | 03/28/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 66.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2824322 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6249 | 04/14/2025 | 6.700% |  |  | No | 9.252% |  | 9.000% |  | $2816.18 | No | $4562.28 | $380.19 | $1986.48 | $165.54 | $0.00 | $0.00 | $2186.00 | $5547.91 | $19154.69 | N/A |  |  | $0.00 |  |  | 0.00% | 39.75% | 39.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/22/2025 | 02/22/2025 |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 40.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 2694124 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 999 | 04/14/2025 | 6.700% |  |  | No | 11.250% |  | 10.625% |  | $693.07 | No | $5499.84 | $458.32 | $695.04 | $57.92 | $0.00 | $0.00 | $1589.01 | $2798.32 | $4566.35 | N/A |  |  | $0.00 |  |  | 0.00% | 39.22% | 39.22% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 96 | 27 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 01/16/2025 | 01/16/2025 |  |  |  | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 67.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2487963 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7630.09 | 04/21/2025 | 6.810% |  |  | No | 8.613% |  | 8.250% |  | $1916.05 | No | $3165.96 | $263.83 | $3782.04 | $315.17 | $0.00 | $0.00 | $1708.72 | $4203.77 | $27398.69 | N/A |  |  | $0.00 |  |  | 0.00% | 14.68% | 14.68% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), SEPartnership - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 01/23/2025 | 01/23/2025 | 01/23/2025 |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 65 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2442326 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 16695 | 04/28/2025 | 6.880% |  |  | No | 9.270% |  | 9.000% |  | $6034.67 | No | $44475.36 | $3706.28 | $4221.96 | $351.83 | $6600.00 | $550.00 | $11729.64 | $22372.42 | $78113.48 | N/A | XXXX | XXXX | $550.00 |  | Monthly | 0.00% | 36.88% | 36.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 04/28/2025 | 04/28/2025 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 45.4 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2282531 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9345 | 04/21/2025 | 6.810% |  |  | No | 10.011% |  | 9.500% |  | $2102.14 | No | $1989.36 | $165.78 | $2717.04 | $226.42 | $1179.96 | $98.33 | $2222.00 | $4814.67 | $112812.31 | N/A | XXXX | XXXX | $98.33 |  | Annually | 0.00% | 4.32% | 4.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/06/2025 | 05/06/2025 |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 62.81 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2804237 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | $3473.39 | No | $45553.80 | $3796.15 | $9082.20 | $756.85 | $0.00 | $0.00 | $13891.72 | $21918.11 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.266 | 1.27 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/14/2025 | 04/14/2025 | 05/01/2025 |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 386122.94 | 17.6 | No | 62.05 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 2516829 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4722.3 | 04/28/2025 | 6.880% |  |  | No | 9.326% |  | 9.000% |  | $1426.60 | No | $2599.44 | $216.62 | $1056.12 | $88.01 | $0.00 | $0.00 | $1321.91 | $3053.14 | $12279.15 | N/A |  |  | $0.00 |  |  | 0.00% | 27.07% | 27.07% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 96 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | 04/16/2025 | 04/16/2025 | 04/16/2025 |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 170967.34 | 56 | No | 64.62 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2178063 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1499 | 04/28/2025 | 6.880% |  |  | No | 8.283% |  | 8.250% |  | $4507.60 | No | $33406.56 | $2783.88 | $4695.96 | $391.33 | $8760.00 | $730.00 | $7870.81 | $16283.62 | $39167.66 | N/A | XXXX | XXXX | $730.00 |  | Monthly | 0.00% | 40.41% | 40.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/08/2025 | 04/08/2025 |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25880.59 | 1.6 | 25880.59 | 1.6 | No | 45.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 2843705 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2195 | 04/21/2025 | 6.810% |  |  | No | 9.170% |  | 8.750% |  | $629.36 | No | $3317.52 | $276.46 | $2319.00 | $193.25 | $0.00 | $0.00 | $1238.23 | $2337.30 | $11743.86 | N/A |  |  | $0.00 |  |  | 0.00% | 40.20% | 40.20% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 0.00% | 30.00% | 30.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SECorporation - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/18/2025 | 04/18/2025 | 04/18/2025 |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 24.4 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 2718436 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Safe Harbor Verified (V SH) | Yes | No | Yes | Option 3 - Underwritten to Proprietary Lender Guidelines | N/A | 5072.56 | 05/05/2025 | 6.740% |  |  | No | 9.478% |  | 9.125% |  | $1994.21 | No | $3415.44 | $284.62 | $14503.80 | $1208.65 | $0.00 | $0.00 | $857.67 | $4345.15 | $10713.85 | N/A |  |  | $0.00 |  |  | 0.00% | 37.00% | 37.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 51 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/29/2025 | 04/29/2025 |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 234424.78 | 54 | No | 64.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 2781015 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 03/11/2025 | 8 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3349 | 04/21/2025 | 6.810% |  |  | No | 9.794% |  | 9.000% |  | $804.62 | No | $3062.04 | $255.17 | $1602.48 | $133.54 | $900.00 | $75.00 | $1184.13 | $2452.46 | $3217.53 | N/A | XXXX | XXXX | $75.00 | 01/01/2026 | Annually | 0.00% | 48.08% | 48.08% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 11 | 11 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 04/15/2025 | 04/15/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 85126.25 | 34.7 | No | 77.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 6**

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 2480295 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 44.44 | 62.45 | XXXX | XXXX | -.1631 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | -.1785 | XXXX | High | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1631 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2426698 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 25.49 | 63.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2385266 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 8.93 | 57.36 | XXXX | XXXX | -.0952 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0952 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2026906 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 12.2 | 72.42 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 2390460 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 22.66 | 65.48 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2889126 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 20.0 | 51.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2101674 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 31.09 | 65.79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2096442 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 17.18 | 74.24 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2233526 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 23.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2301995 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 14.95 | 69.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 2349264 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 10.0 | 50.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2615438 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 7.22 | 58.9 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2488935 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 14.57 | 52.91 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2383285 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 36.17 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2368758 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 35.72 | 79.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 95 | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2705323 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 25.39 | 68.39 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2967883 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 29.81 | 74.88 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2368031 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 22.6 | 79.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2062903 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 21.05 | 58.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2342550 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 13.64 | 28.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2343558 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 4.44 | 37.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2169342 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 17.11 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | 2610366 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 11.72 | 64.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2440574 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 19.48 | 34.88 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible | 2.6 | XXXX |
| XXXX | 2436165 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 32.77 | 69.13 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2803191 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 18.59 | 49.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2929336 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 28.95 | 48.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2729763 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 70.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136603 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 39.21 | 64.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2261904 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 29.17 | 74.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible | 1 | XXXX |
| XXXX | 2173939 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | 41.63 | 69.29 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2698935 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 17.83 | 71.12 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2782007 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 35.37 | 89.83 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2974435 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 16.5 | 79.82 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | High Confidence | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2136356 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 18.32 | 43.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1 | XXXX |
| XXXX | 2658978 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 28.42 | 71.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 94 | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2202834 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 20.32 | 73.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1 | XXXX |
| XXXX | 2995659 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 23.43 | 68.38 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2579916 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 27.86 | 79.94 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2149496 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 13.21 | 84.53 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 2032248 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 10.38 | 51.87 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2003842 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 13.75 | 72.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2577561 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 14.34 | 31.06 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2176091 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 21.33 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2672376 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 17.21 | 59.75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2989937 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 36.91 | 79.13 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 2954054 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 22.74 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 2180215 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 18.49 | 59.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 2935181 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 25.96 | 79.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 2730962 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 19.92 | 77.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 2947669 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | 20.2 | 65.12 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2026972 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 21.71 | 79.82 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 2272231 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 25.98 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 2520355 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 23.07 | 79.09 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0851 | 88.0 | 0.12 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2360649 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 34.42 | 79.19 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 4.1 | XXXX |
| XXXX | 2651755 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 21.33 | 79.5 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1.2 | XXXX |
| XXXX | 2158803 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 37.5 | 69.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2420296 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 19.35 | 74.72 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2448899 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 25.25 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 91 | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2491358 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 20.36 | 59.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX | 2767635 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 20.34 | 69.96 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2594471 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 17.35 | 69.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2750055 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 14.59 | 69.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 2738346 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 27.6 | 66.72 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  |  |
| XXXX | 2824322 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 18.28 | 40.95 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 2694124 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 11.72 | 67.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2487963 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 36.96 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 2442326 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 10.2 | 45.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 2282531 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 24.63 | 62.81 | XXXX | XXXX | -.0690 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0690 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2804237 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 8.53 | 62.05 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX |
| XXXX | 2516829 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 34.82 | 64.62 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 92 | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2178063 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 11.1 | 45.24 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | 2843705 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | 7.57 | 24.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | 90 | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2718436 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 37.53 | 64.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible | 1.2 | XXXX |
| XXXX | 2781015 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 23.09 | 77.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**VSTA 2025-CES2**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 136 loans acquired by Vista Point Mortgage, LLC (the "Client"). The review was performed from January 2025 through June 2025 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 136 loans for an aggregate original principal balance of $33,820,565.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions – September 30, 2024 |

---

**Data integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;ARM Interest Data |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Doc Type |
| &nbsp;&nbsp;First Payment Date |

---

Page 1 of 17

![](ex993001.jpg)

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| |
|:---|
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original Loan Term |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Appraised Value |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total DTI |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subordinate Lien Amount |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

**Underwriting Conformity (<u>Standard Residential Loans</u>)**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the underwriting guidelines provided by the Client (which, for the avoidance of doubt, may be either the Client's or a third party's underwriting guidelines), eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

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**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points and fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate
 that the appropriate employment and income documentation, such as pay stubs, tax transcripts,
 and bank statements, was provided and used to accurately qualify the borrower according
 to guidelines. Recalculate the borrower's income and debt to determine the appropriate
 debt to income ratio in accordance with the guidelines. Validate borrower's employment
 history and confirm that the appropriate income and assets were used to qualify. Make
 a reasonable assessment of whether there are any indications that income documentation
 may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate
 that assets used to qualify the borrower match the documentation in the file and the
 information used to calculate down payment, closing costs, and reserves meet program
 guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review
 exceptions, compensating factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 program guidelines against the loan approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review
 the loan approval against all supporting documentation and loan application to verify
 accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 the initial loan application against the final loan application or other loan applications
 found in the file to validate the application was signed and properly completed and to
 expose discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Confirm
 that credit report(s) and verification of mortgage or rental history, when required,
 have been provided for all borrowers/guarantors, are consistent with loan approval, and
 meet guideline requirements. Verify whether any fraud alerts are listed on the credit
 reports and make a reasonable assessment of whether the borrower's profile adheres
 to applicable guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review
 the loan file for inconsistencies based on information derived from source documentation
 provided in the loan file, for the purposes of identifying misrepresentations contained
 in the loan file, including with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 source documents for consistency with regard to subject property occupancy intent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review
 the title report for possible judgments and other liens that may have existed upon origination;
 verify chain of title, as required by guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify
 and validate the file contains sufficient property insurance coverage as required by
 guidelines; confirm property insurance policy contains appropriate mortgagee clause.
 For subject properties located in a Special Flood Hazard Area where flood insurance is
 required, verify and validate the file contains sufficient flood insurance coverage as
 required by guidelines and that flood insurance policy contains appropriate mortgagee
 clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 property details on appraisal including a review for ineligible properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 that Business Purpose Affidavit and Occupancy Affidavit, if applicable, were executed
 by the borrowers/guarantors and confirm that document addresses are consistent with subject
 property address and do not match the primary residence address.

**Underwriting Conformity (<u>Business Purpose/DSCR</u>)**

For each loan, Incenter Diligence validated conformance to Client supplied and program requirements and noted any exceptions. Unless otherwise directed by the Client, no regulatory compliance review was performed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate
 Conformance to Product Type and Eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Financing
 Terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Loan
 Product

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Seasoning

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Geographic
 Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan
 Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LTV/CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Transaction
 Types: Verify Conformance with Business Purpose Loan Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business
 Purpose Affidavit – verify signed Borrower Statement of Business Purpose is present
 in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Non-Owner
 Occupancy – verify Occupancy certification is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Validate
 that there is no information in the loan that contradicts occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review
 Debt Service Coverage Ratio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 Cash Flow and Expense Factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review
 Hazard/Flood Insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 preliminary Title Report/Commitment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Credit
 Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Validate
 documentation requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Verify
 acceptable Residency Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review
 credit reports used to qualify borrower, as well as consumer credit history/charge offs/collections,
 and cite any exceptions or unusual findings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Evaluate
 credit scores and tradelines against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Evaluate
 other debt obligations (alimony, child support, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. If
 required, verify that a 3rd party fraud report (DataVerify, etc.) is contained in the
 loan file and review findings to confirm all deficiencies were resolved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Evaluate
 borrower's mortgage/rental payment history using credit reports or other information
 supplied in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 that all judgements/liens/tax liens have been satisfied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Verify
 that any bankruptcy, foreclosure or forbearance activity is in accordance with guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Perform
 a review of all asset information supplied in the loan file against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Evaluate
 borrowers' asset utilization and verify sufficient liquid assets to supplement
 income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Perform
 a rental income analysis using the information supplied in the loan file as per the guidelines

**Property Valuation Review (Standard Residential and Business Purpose/DSCR Loans)**

Incenter Diligence reviewed all loans to validate the original appraisal report was provided in the loan file and that it is substantially complete. The evaluation will include the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 the original appraisal report to ensure the valuation was performed by a licensed appraiser
 and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify
 subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note
 any exceptions to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify
 value used to calculate LTV/CLTV and note any deviations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 that the loan and property data within the appraisal report matches the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 the appraisal report to ensure report value is "as is" or, if report is "subject
 to", that there is an associated completion report resolving all noted issues,
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review
 additional valuation products in the file; if there is a variance greater than 10% below
 the appraisal value, Client will be notified and an additional independent valuation
 product will be obtained as requested.

**Regulatory Compliance Review (Standard Residential Loans Only, Unless Otherwise Requested)**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans

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examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence will perform a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope"), as amended from time to time, and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Incenter Diligence works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. The TRID-related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Incenter Diligence's conclusions are representative of best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Incenter Diligence maintains an active dialogue with outside counsel, Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending the review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Incenter Diligence utilizes nationally recognized integrated compliance analyzer tools.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviews each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 TILA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Finance
 Charge Test (12 CFR §1026.18(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. It
 is understated by no more than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. It
 is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Rescission
 Finance Charge Test (12 CFR §1026.23(h)(2)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. It
 is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. It
 is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rescission
 Total of Payments Test ((12 CFR §1026.23(h)(2)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Is
 understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Is
 greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Foreclosure
 Rescission Finance Charge and Total of Payments Tests (12 CFR §1026.23(h))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. APR
 Test 12 CFR (§1026.22(a)(2), (4))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosed annual percentage rate (APR) is considered accurate because it is not more
 than 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for irregular
 transactions) point above or below the APR as determined in accordance with the actuarial
 method; or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 disclosed APR results from the disclosed finance charge, and the disclosed finance charge
 is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes
 of rescission the disclosed finance charge is considered accurate under §1026.23(g)
 or (h) (the rescission finance charge test or the foreclosure rescission finance charge
 test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Right
 of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 funding date is not before the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 consumer may exercise the right to rescind until midnight of the third business day following
 consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate
 Right of Rescission Notice was provided, and the correct form was used

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Dual
 Broker Compensation Test (12 CFR §1026.36(d)(2))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling, no loan originator shall receive compensation, directly
 or indirectly, from any other person other than the consumer in connection with the transaction
 for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan
 Originator Credits Test (12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Test
 that the initial disclosure (GFE/TIL/LE) does not contain any broker fees paid by the
 broker

&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. Financing
 of Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 creditor may not finance, directly or indirectly, any premiums or fees for credit insurance
 in connection with a consumer credit transaction secured by a dwelling (including a home
 equity line of credit secured by the consumer's principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL
 Disclosure (Pre-TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. TIL
 Disclosure Date Test (12 CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12
 U.S.C. §2601 et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 initial TIL disclosure date is not 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 the consumer's written
 application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The
 initial TIL disclosure date is not later than the seventh business day (counting all
 calendar days except Sunday and specified legal public holidays) before consummation
 of the transaction, or the application date of the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The
 loan is a "residential mortgage transaction" subject to the Real Estate Settlement
 Procedures Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The
 initial TIL disclosure date is before consummation or three business days after the creditor
 receives the consumer's written application, whichever is earlier; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Test
 the final TIL disclosure and any re-disclosed TIL(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 final TIL disclosure is properly executed; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The
 final TIL disclosure and any re-disclosed TIL(s) is properly completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA
 RESPA Integrated Disclosures (TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial
 Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Initial
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i)
 (provision of loan estimate form) not later than the seventh business day before consummation
 of the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan
 Estimate (12 CFR §1026.19 and 37)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 applicable sections of the disclosure determined to carry assignee liability were 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 final Loan Estimate was provided to borrower prior to the Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Written
 List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Revised
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 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 under §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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Valid
 Change of Circumstances Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 changed circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Changed
 circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed
 circumstance affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions
 requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration
 of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed
 settlement date on a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The
 date the rate was set was not provided and interest rate dependent charges change once
 the interest rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The
 reason for re-disclosure is "Decrease in charges affecting settlement or eligibility,
 a consumer-requested revision, or other non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The
 initial loan estimate was not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Initial
 Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Closing
 Disclosure Test (12 CFR §1026.19 and 38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 applicable sections of the disclosure determined to carry assignee liability were 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;i. Revised
 Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required)
 (12 CFR §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. If
 the consumer determines that the extension of credit is needed to meet a bona fide personal
 financial emergency, the consumer may modify or waive the three-business-day waiting
 period for the revised closing disclosure after receiving the 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;j. TRID
 Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID
 Tolerance Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR
 §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID
 Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID
 Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID
 Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

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

&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. Disclosure
 of Escrow Account (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the loan indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4),(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 all amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate
 (§1026.37(g)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. If
 the loan indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4), (5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure
 of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. In
 transactions involving a seller, validate whether the lender disclosed all costs being
 paid by the seller on the borrowers Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 seller paid fees are present on the borrower's Closing Disclosure, review the seller's
 Closing Disclosure or alternative documentation for accuracy of disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. Post-consummation
 Event and Revised Closing Disclosure Delivery Date Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 post-consummation revised closing disclosure delivery date is not more than 60 calendar
 days after the consummation date, or closing / settlement date if no consummation date
 was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 provided reimbursement date is not more than 60 calendar days after the consummation
 date, or closing / settlement date if no consummation date was provided

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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;r. Non-numeric
 Clerical Error and Post-consummation Revised Closing Disclosure Delivery Date Test (12
 CFR §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i)
 contain non-numeric clerical errors, provided the creditor delivers or places in the
 mail corrected disclosures no later than 60 days after 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;s. Loan
 Calculation Test on the Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total
 Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified
 Mortgage / Ability To Repay – Dodd Frank

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Classification
 of QM designated loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate
 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Determination
 of conformity thresholds (Safe Harbor or Rebuttable Presumption)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Negative
 Amortization Loan (12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 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 result in an increase of the principal balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Interest
 Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon
 Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 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 result in a balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan
 Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction for which the loan term does not exceed 30
 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points
 and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees do not exceed the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ratio of the consumer's total monthly debt to total monthly income at the time
 of consummation does not exceed 43 percent, calculated in accordance with Appendix Q

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 Fannie Mae and Freddie Mac, however, the revised QM rules become mandatory on July 1,
 2021, meaning that the QM Patch effectively terminates on July 1, 2021—and that
 all loans sold to Fannie and Freddie must comply with the revised QM rules, effective
 July 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. (iv)
 For creditors not selling loans to Fannie Mae and/or Freddie Mac, loans underwritten
 from March 1, 2021 until October 1, 2022 will continue to apply the legacy QM rules;
 however, commencing July 1, 2021, legacy QM loans must be underwritten to Appendix Q
 and NOT to the QM Patch.

Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch

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disappeared after that date, notwithstanding the CFPB's intent for it to continue until October 1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix Q.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Client
 is required to advise regarding which application of QM/DTI or QM/APR rule for loans
 with application dates between 03/01/2021 and 10/01/2022 for the proper evaluation of
 QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Loans
 underwritten after 10/1/2022 will be reviewed following the revised QM (QM 2.0) 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;h. APR
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan APR is not to exceed the APOR plus percentage threshold, calculated according to
 12 CFR §1026.43(e)(2)(vi). With a QM/APR optional test period for loans with application
 dates between 03/01/2021 and 10/01/2022 and mandatory compliance and testing for loans
 after 10/01/2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The
 APR on the loan does not exceed the threshold for the loan 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
 a first-lien loan with a loan amount greater than or equal to $110,260 (indexed for inflation),
 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 a first-lien loan with a loan amount greater than or equal to $66,156 (indexed for inflation),
 but less than $110,260 (indexed for inflation), 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 a first lien loan with a loan amount less than $66,156 (indexed for inflation), 6.5 or
 more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For
 a subordinate-lien loan with a loan amount great than or equal to $66,156 (indexed for
 inflation), 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 a subordinate-lien loan with a loan amount less than $66,156 (indexed for inflation),
 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Revised
 QM (QM 2.0)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. QM/DTI
 test will cease as of application dates on or after 10/01/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In
 addition to the Generally Applicable Factors above, all Revised QM loans must meet the
 following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Monthly
 Payment. The amount of the monthly payment on the loan is calculated using the maximum
 rate that may apply during the first five years and considers the monthly payment for
 simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Consider
 and Verify. The creditor considers and verifies the consumer's current or expected
 income and assets and debt and his DTI or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. As
 part of the "consider" requirement, Incenter Diligence will review the (i)
 creditor's policies and procedures provided by Client, as well as any exceptions
 thereto, for how the creditor takes into account the underwriting factors enumerated
 above, and (ii) the documentation retained by creditor, such as an underwriting worksheet
 or a final automated underwriting system certification, showing how the creditor took
 these factors into account in its ability-to-repay determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Consider
 and Verify Safe Harbor (VSH). Creditor is deemed to have complied with this "verify"
 requirement if it complies with the verification standards in one or more of these following
 agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020
 including all subsequent updates; Sections 5102 through 5500 of the Freddie Mac Single-Family
 Seller/Servicer Guide, published June 10, 2020 including all subsequent updates;

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

Page 10 of 17

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019 including all subsequent updates;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. For
 purposes of compliance with VSH, a creditor must comply with only those provisions in
 the manuals that require creditors to verify income, assets, debt obligations, alimony
 and child support using specified documents or to classify and count particular inflows,
 property, and obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Revised
 versions of manuals. A creditor also complies with the verification safe harbor where
 it complies with revised versions of the manuals listed above provided that the two versions
 are "substantially similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. The
 QM 2.0 Rule permits the creditor to "mix and match" verification standards
 from different agency manuals. Incenter Diligence will test the creditor's "verification"
 of third- party records in instances when the creditor either uses (i) its own procedures
 or alternatively, (ii) the verification standards of one or more of the agency handbooks
 listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Note:
 the Client must provide written policies and procedures and related documentation such
 as underwriter worksheets in order for Incenter Diligence to review loans under the QM
 2.0 Rules, and in particular, with regard to the "consider" and "verify"
 requirements. Further, if the Client intends to use the VSH, its written policies and
 procedures must specify the precise agency handbook(s) that it is relying on with specific
 references to the particular provisions addressing income, assets, debt obligations,
 alimony and child support using specified documents or to classify and count particular
 inflows, property, and obligations as income, assets, debt obligations, alimony, and
 child support—as well as the specific date(s) of the agency handbook(s) issuance,
 publication or revision. In addition, Incenter Diligence is not responsible for determining
 whether revised versions of the manuals listed above are "substantially similar"
 for purposes of the VSH; such a determination of the sole responsibility of the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Note:
 due to the inherent subjectivity of the foregoing "consider" and "verify"
 requirements, Incenter Diligence will review the Client's: (i) policies and procedures
 and worksheets and (ii) methods and criteria for verification of income and assets (regardless
 of whether the "safe harbor" is utilized) for content only, and will not
 opine whether such policies and procedures, worksheets and verification methods and criteria
 themselves comply with applicable law, and cannot guarantee that a court, governmental
 regulator, rating agency or another third party diligence provider would reach the same
 conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A
 covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 prepayment penalty is otherwise permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Has
 an annual percentage rate that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Is
 a qualified mortgage under paragraph (e)(2), (e)(4), or (f) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is
 not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home
 Ownership and Equity Protection Act – HOEPA (Sections 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Federal
 HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Tests
 that the loan is/is not secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Tests
 that the loan is/ is not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. That
 the application date of the loan occurs before/after the effective date of October 1,
 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. That
 the date the creditor received application occurs on or after January 10, 2014, the effective
 date of the High-Cost Mortgage amendments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High-Cost
 Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is secured by a first-lien transaction, and the annual percentage rate (APR) does
 not exceed the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. The
 loan is a subordinate-lien transaction, and the annual percentage rate (APR), does not
 exceed the Average Prime Offer Rate by more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost
 Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 total points and fees do not exceed allowable limits per the given loan 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;d. High-Cost
 Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan contract or open-end credit agreement does not allow the creditor to 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A
 prepayment penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment
 penalties that can exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost
 Mortgage (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost
 Mortgage Repayment Ability Test (12 CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other
 high-costs tests pursuant to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 of 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Balloon
 payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative
 amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Prepayment
 penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Pre-loan
 counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Late
 charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Grace
 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing
 of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher
 Priced Mortgage Loan – HMPL (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher
 Priced Mortgage Loan tests (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher
 Priced Mortgage Loan required escrow account test (12 CFR §1026.35(b))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Higher
 Priced Mortgage Loan required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited
 Acts – Brokers Comp

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Broker
 Compensation Test (12 CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. No
 loan originator shall receive compensation, directly or indirectly, from any person other
 than the consumer in connection with the transaction; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No
 person who knows or has reason to know of the consumer-paid compensation to the loan
 originator (other than the consumer) shall pay any compensation to a loan originator,
 directly or indirectly, in connection with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide
 Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify
 the data against the NMLSR database, as available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 RESPA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Homeownership
 Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Good
 Faith Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Not
 later than 3 business days after a loan originator (broker or lender) receives an application
 for a federally related mortgage loan, or information sufficient to complete an application,
 the loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good
 Faith Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Looks
 for any amounts entered for both a loan discount fee and a yield spread premium or a
 lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Only
 one charge or one credit affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA
 Valuation Rule (12 CFR §1002.14(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 all applicable loans for the Disclosure of Right to Receive a Copy of Appraisals. Validate
 if the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 all applicable loans for proof that lender delivered copies of appraisals and other written
 valuations three business days before consummation (closed-end), or account opening (open-end)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening, review the Post-Closing submission for an
 Acknowledgment of Receipt of Appraisal Report, or other proof that the lender provided
 the copies either at, or prior to, consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **State Specific tests (varies by state and applicability, but at a minimum includes);** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Consumer
 / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. High-cost
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Higher
 Priced Mortgage Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. APR
 threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Points
 and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Covered
 loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Negative
 Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Prepayment
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Texas
 Home Equity Loans

**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

● Initial Application (1003)

● Final Application (1003)

● Loan Approval (1008)

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● HUD1 from Sale of Previous Residence

● Loan Estimates and Closing Disclosures

● Sales Contract

● Mortgage/Deed of Trust

● Note

● Guaranty Agreement

● Occupancy Affidavit

● Lease Agreements

● Business Purpose Affidavit

● Junior Lien Information

● Subordination Agreement

● Income Documentation

● Employment Documentation

● Asset Documentation

● Credit Reports

● 4506T/Tax Documentation

● Change of Circumstance Documentation

● Disclosures: Right of Rescission, Net Tangible Benefit and FACTA

● Appraisal Valuation Reports

● Title/Preliminary Title

● Flood and Hazard Insurance Policies

● Flood Certificates

**Other review and methodology**

Not applicable.

**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary** 

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;125 | &nbsp;&nbsp;91.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;8.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**136** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;130 | &nbsp;&nbsp;95.59% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.41% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**136** | &nbsp;&nbsp;**100.00%** |

---

Page 14 of 17

![](ex993001.jpg)

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;136 | &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;**Total** | &nbsp;&nbsp;**136** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;120 | &nbsp;&nbsp;88.24% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;11 | &nbsp;&nbsp;8.08% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**136** | &nbsp;&nbsp;**100.00%** |

---

**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

\* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Credit** <br> **Grade A** | &nbsp;&nbsp;**Credit** <br> **Grade B** | &nbsp;&nbsp;**Credit** <br> **Grade C** | &nbsp;&nbsp;**Credit** <br> **Grade D \*** |
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;34 | &nbsp;&nbsp;29 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;11 | &nbsp;&nbsp;10 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;82 | &nbsp;&nbsp;81 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**173** | &nbsp;&nbsp;**166** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page 15 of 17

![](ex993001.jpg)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception** <br> **Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Compliance** <br> **Grade A** | &nbsp;&nbsp;**Compliance** <br> **Grade B** | &nbsp;&nbsp;**Compliance** <br> **Grade C** | &nbsp;&nbsp;**Compliance** <br> **Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;13 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;66 | &nbsp;&nbsp;66 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**91** | &nbsp;&nbsp;**91** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception** <br> **Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Property** <br> **Grade A** | &nbsp;&nbsp;**Property** <br> **Grade B** | &nbsp;&nbsp;**Property Grade C** | &nbsp;&nbsp;**Property** <br> **Grade D \*** |
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;12 | &nbsp;&nbsp;11 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;5 | &nbsp;&nbsp;4 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;5 | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.26% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.53% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |

---

Page 16 of 17

![](ex993001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.26% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.53% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;91.91% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.26% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;8 | &nbsp;&nbsp;94.12% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;86.03% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;15 | &nbsp;&nbsp;88.97% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.26% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;6 | &nbsp;&nbsp;95.59% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.26% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.26% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.79% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.26% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.53% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;43 | &nbsp;&nbsp;68.38% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;38 | &nbsp;&nbsp;72.06% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.79% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;14 | &nbsp;&nbsp;89.71% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.79% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;13 | &nbsp;&nbsp;90.44% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.26% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;10 | &nbsp;&nbsp;92.65% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;36 | &nbsp;&nbsp;73.53% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**95.65%** |

---

Page 17 of 17

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](incenter-logo.jpg) | Report Date: | 7/7/2025 |
| Client Name: | Vista Point Mortgage | Report: | Exception Report |
| Deal Name: | VSTA 2025-CES2 | Loans in report: | 136 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client 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?** |
| XXX | 337341 | XXX | XXX C A | Closed | FCRE8201 | 2025-01-31 16:02 | 2025-03-07 16:29 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Documentation received supporting no Balloon Payment on modification agreement for Senior Lien. - Due Diligence Vendor-03/07/2025 <br>Counter-Received Lender and Borrower LOX. along with modification agreement, however insufficient to clear condition. Modification Agreement reflects Deferred Balance now amortizing as a Balloon payment with a Maturity Date occurring prior to subject lien Maturity Date, which is ineligible per guidelines. - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. See attached - Seller-03/04/2025 <br>Open-Senior lien not contains a negative amortization clause, and the mortgage statement reflects a deferred balance, both are ineligible per guidelines. - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. See attached - Seller-03/04/2025<br>| Resolved-Documentation received supporting no Balloon Payment on modification agreement for Senior Lien. - Due Diligence Vendor-03/07/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX LOE - loan modification Hardship.pdf<br> Rebuttal XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 314701 | XXX | XXX D A | Closed | FCRE3978 | 2025-02-28 09:33 | 2025-03-07 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Lender commentary received - Title and credit report do not reflect solar panel liability. - Due Diligence Vendor-03/07/2025 <br>Ready for Review-Appraisal states panels are owned, there's no mention of the panels on title or on credit report. <br> - Seller-03/06/2025 <br>Open-Missing evidence borrower owns the solar panels on home free and clear. - Due Diligence Vendor-02/28/2025 | Ready for Review-Appraisal states panels are owned, there's no mention of the panels on title or on credit report. <br> - Seller-03/06/2025<br>| Resolved-Lender commentary received - Title and credit report do not reflect solar panel liability. - Due Diligence Vendor-03/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 314701 | XXX | XXX D A | Closed | FCRE6618 | 2025-02-28 09:34 | 2025-03-07 09:36 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised URLA reflecting marital status as XXX. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. - Seller-03/06/2025 <br> Counter-Received lender commentary will provide updated URLA. Original condition remains. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-will provide corrected 1003 thank you, - Seller-03/06/2025 <br> Ready for Review-Document Uploaded. - Seller-03/06/2025 <br> Open-Missing confirmation if Borrower is XXX: URLA reflects as XXX and title reflects as XXX. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/06/2025 <br>Ready for Review-will provide corrected 1003 thank you, - Seller-03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/06/2025<br>| Resolved-Received revised URLA reflecting marital status as unmarried. - Due Diligence Vendor-03/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90% |  | XXX PRELIM TITLE page 1 of 27 SEE VESTING.pdf<br> XXX 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 314701 | XXX | XXX D A | Closed | FCRE1201 | 2025-02-27 10:38 | 2025-03-06 17:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received cleared fraud report reflecting sufficient explanation for clearance of high alert items. - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/06/2025 <br>Open-Missing Third Party Fraud Report Missing Third Party Fraud Guard. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/06/2025<br>| Resolved-Received cleared fraud report reflecting sufficient explanation for clearance of high alert items. - Due Diligence Vendor-03/06/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90% |  | XXX Fraud.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 314701 | XXX | XXX D A | Closed | FCRE5782 | 2025-02-26 16:29 | 2025-03-06 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debts. - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/06/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP report for both borrowers: Per lender guidelines GAP report is required if Note date is greater than 30 days after the date of the credit report. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/06/2025<br>| Resolved-Received gap credit report reflecting no new debts. - Due Diligence Vendor-03/06/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90% |  | XXX soft 2-11.pdf<br> XXX SOFT 2-11.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 314701 | XXX | XXX D A | Closed | FCOM8805 | 2025-02-28 09:31 | 2025-03-06 13:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. - Seller-03/06/2025 <br> Open-Missing Borrower's Certification & Authorization for XXX. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/06/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-03/06/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90% |  | CREDIT AUTH.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 375431 | XXX | XXX D A | Closed | FCOM8805 | 2025-02-18 13:35 | 2025-02-20 09:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received Borrower Authorization. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. - Seller-02/19/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. - Seller-02/19/2025<br>| Resolved-Received Borrower Authorization. - Due Diligence Vendor-02/20/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | Borrowers Auth.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 375431 | XXX | XXX D A | Closed | FCRE5782 | 2025-02-18 09:51 | 2025-02-19 16:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM report reflecting no new inquiries or debt. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. - Seller-02/19/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report per lender guidelines GAP report is required if Note date is greater than 30 days after the date of the credit report of XXX. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. - Seller-02/19/2025<br>| Resolved-Received UDM report reflecting no new inquiries or debt. - Due Diligence Vendor-02/19/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | CREDIT UDM MONITORING.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 375431 | XXX | XXX D A | Closed | FCRE1145 | 2025-02-19 13:00 | 2025-02-19 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-XXX is an approved seller of XXX for the Texas 50a6 seconds. - Due Diligence Vendor-02/19/2025 <br> Open-Missing prior approval from XXX due to subject being a TX(50)(a)(6). - Due Diligence Vendor-02/19/2025 |  | Resolved-XXX is an approved seller of XXX for the XXX 50a6 seconds. - Due Diligence Vendor-02/19/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 301671 | XXX | XXX D A | Closed | FVAL9739 | 2025-02-19 23:17 | 2025-03-17 16:25 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received revised appraisal reflecting appraiser commentary for change in location to Suburban. - Due Diligence Vendor-03/17/2025 <br>Ready for Review-Document Uploaded. Appraisal updated - Suburban - Seller-03/17/2025 <br>Counter-Received 1st page of appraisal reflecting property is now Suburban. Missing supporting appraiser comments and supporting documentation for change in location. CDA also supports property location is Rural. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. updated appraisal - Seller-03/10/2025 <br>Open-Rural location is ineligible: Appraisal shows subject property location as rural. Transaction is an investment property refinance. Guidelines allow rural location for primary residence only. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Appraisal updated - Suburban - Seller-03/17/2025 <br>Ready for Review-Document Uploaded. updated appraisal - Seller-03/10/2025<br>| Resolved-Received revised appraisal reflecting appraiser commentary for change in location to Suburban. - Due Diligence Vendor-03/17/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX XXX updated appraisal.pdf<br> XXX-XXX, XXX V4.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 301671 | XXX | XXX D A | Closed | FPRO1243 | 2025-02-19 23:19 | 2025-03-14 14:06 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal is Missing | Resolved- - Due Diligence Vendor-03/14/2025 <br>Counter-Received CDA supporting appraised value with Low Risk. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. Desk review - Seller-03/10/2025 <br>Open-Missing copy of desk review. Full appraisal provided, however guidelines require full appraisal and desk review investment properties. Subject to re-calculation of CLTV upon receipt. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Desk review - Seller-03/10/2025<br>|  | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Desk Review XXX_RDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 301671 | XXX | XXX D A | Closed | FSER1117 | 2025-02-19 23:28 | 2025-03-04 16:26 | Resolved | 1 - Information A | Servicing | Additional Information | Vesting on Deed of Trust/Mortgage does not match title or closing transfer deed | Resolved-Document Uploaded. Guideline clarification received - Third party is a Co-signor only and not vested on the property. - Due Diligence Vendor-03/04/2025 <br> Open-Missing copy of transfer deed adding XXX as vested owner of subject property. Title reflects vested owners as XXX and XXX, husband and wife as joint tenants versus Note reflecting XXX, XXX, and XXX. - Due Diligence Vendor-02/20/2025 |  | Resolved-Document Uploaded. Guideline clarification received - Third party is a Co-signor only and not vested on the property. - Due Diligence Vendor-03/04/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX email.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 399071 | XXX | XXX D B A | Closed | FCRE1182 | 2025-03-07 16:47 | 2025-03-17 17:13 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-03/07/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-03/07/2025 |  | Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-03/07/2025<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 399071 | XXX | XXX D B A | Closed | FCRE1193 | 2025-03-07 16:47 | 2025-03-17 17:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/07/2025 <br> Open-Audited DTI of XXX% exceeds Guideline DTI of 0% - Due Diligence Vendor-03/07/2025 |  | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 399071 | XXX | XXX D B A | Closed | FCRE1199 | 2025-03-07 16:47 | 2025-03-17 17:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount of $XXX is less than or equal to the Guideline Maximum Loan Amount of $350000 - Due Diligence Vendor-03/07/2025 <br> Open-Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $0 - Due Diligence Vendor-03/07/2025 |  | Resolved-Audited Loan Amount of $XXX is less than or equal to the Guideline Maximum Loan Amount of $350000 - Due Diligence Vendor-03/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 399071 | XXX | XXX D B A | Closed | FCRE1194 | 2025-03-07 16:47 | 2025-03-17 17:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of XXX% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-03/07/2025 <br> Open-Audited LTV of XXX% exceeds Guideline LTV of 0% - Due Diligence Vendor-03/07/2025 |  | Resolved-Audited LTV of XXX% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-03/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 399071 | XXX | XXX D B A | Closed | FCRE5116 | 2025-02-03 09:15 | 2025-03-17 17:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Lender LOX received-file includes 12-months bank statements for evidence of pay history for XXX. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. - Seller-03/14/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 1) Missing Verification of Mortgage for property located at XXX. It appears to be a private lender and not listed on credit report. <br> 2) Missing Verification of Mortgage for property located at XXX. It appears to be in a different individuals name per Mortgage Statement provided and not listed on credit report. - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. - Seller-03/14/2025<br>| Resolved-Lender LOX received-file includes 12-months bank statements for evidence of pay history for XXX. - Due Diligence Vendor-03/17/2025 |  |  | XXX cover letter VOM_.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 399071 | XXX | XXX D B A | Closed | FCRE1441 | 2025-01-30 12:06 | 2025-03-17 09:44 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. - Seller-03/14/2025 <br> Counter-Received exception waiver request form for Multiple BK's, however the following have not been addressed: 4 additional Mortgages on current properties have deferred balances listed on Mortgage Statements provided. Properties listed are: XXX - Mortgage Statement XXX/XXX #XXX; XXX - Mortgage Statement XXX #XXX; XXX - Mortgage Statement XXX #XXX; XXX- Mortgage Statement XXX #XXX. Still missing Letter of Explanation regarding the derogatory credit. - Due Diligence Vendor-03/12/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements As per the lender guideline multiple credit/ housing events such as FC, BK, SS/DIL in last 7 years are not eligible. <br> 1) Borrower has two Bankruptcies noted on credit report dated XXX. Chapter 13 Bankruptcy Case #XXX Filed XXX, Dismissed XXX and Chapter 11 Bankruptcy Case #XXX Filed XXX, Discharged XXX. <br> 2) 4 additional Mortgages on current properties have deferred balances listed on Mortgage Statements provided. Properties listed are: XXX - Mortgage Statement XXX/XXX #XXX; XXX - Mortgage Statement XXX #XXX; XXX - Mortgage Statement XXX #XXX; XXX - Mortgage Statement XXX #XXX.<br> In addition, file is missing Letter of Explanation regarding derogatory credit. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. - Seller-03/14/2025<br>| Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-03/17/2025<br>|  | 1) Stable employment history<br> 2) XXX LTV/XXX CLTV<br> 3) Excellent credit history with re-established credit after BK | Hardship on XXX to Upload.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 399071 | XXX | XXX D B A | Closed | FCRE1204 | 2025-01-30 14:02 | 2025-03-17 09:40 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received cleared fraud report reflecting sufficient explanations to address high alert items. - Due Diligence Vendor-03/17/2025 <br>Ready for Review-Document Uploaded. - Seller-03/14/2025 <br>Open-Fraud Report Shows Uncleared Alerts: Multiple high impact items reflected on fraud report. Uncleared by lender. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. - Seller-03/14/2025<br>| Resolved-Received cleared fraud report reflecting sufficient explanations to address high alert items. - Due Diligence Vendor-03/17/2025<br>|  |  | XXX Fuard Guard alerts cleared.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 399071 | XXX | XXX D B A | Closed | FCRE6546 | 2025-02-03 10:49 | 2025-03-17 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Received evidence of hardship. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. Hardship letter should take care of this condition as well thank you - Seller-03/15/2025 <br> Open-Senior Lien Mortgage Statement for XXX #XXX reflects loan is in deferred status. Per guidelines, Loans in active forbearance or deferment. Deferred balance due to a documented hardship may remain open. Without documented hardship, deferred amounts must be paid through <br> closing. File is missing evidence of hardship or the deferred balance is paid through closing. - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. Hardship letter should take care of this condition as well thank you - Seller-03/15/2025<br>| Resolved-Received evidence of hardship. - Due Diligence Vendor-03/17/2025<br>|  |  | Hardship on XXX to Upload.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 399071 | XXX | XXX D B A | Closed | FCRE1168 | 2025-01-30 15:43 | 2025-03-14 14:28 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Received HOI policies reflecting sufficient coverage. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. The 3 polices with extended replacement cost add up to $XXX Required Hazard Insurance Coverage: $XXX<br> Actual Hazard Insurance Coverage: $XXX ✅ (Exceeds FNMA requirement) - Seller-03/14/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX Missing sufficient coverage for Hazard Insurance. - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. The 3 polices with extended replacement cost add up to $XXX Required Hazard Insurance Coverage: $XXX<br> Actual Hazard Insurance Coverage: $XXX ✅ (Exceeds XXX requirement) - Seller-03/14/2025 | Resolved-Received HOI policies reflecting sufficient coverage. - Due Diligence Vendor-03/14/2025<br>|  |  | Insurance 3 Policies.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 399071 | XXX | XXX D B A | Closed | FCRE1148 | 2025-01-30 11:33 | 2025-03-14 14:24 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting correct title coverage and mortgagee. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. Final Policy - Seller-03/14/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement to show lender's title insurance coverage and mortgagee. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. Final Policy - Seller-03/14/2025<br>| Resolved-Received final title policy reflecting correct title coverage and mortgagee. - Due Diligence Vendor-03/14/2025<br>|  |  | Final Title XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 399071 | XXX | XXX D B A | Closed | FCRE1195 | 2025-02-03 10:35 | 2025-03-12 14:49 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-03/12/2025 <br> Open-Audited CLTV of XXX% exceeds Guideline CLTV of 70% - Due Diligence Vendor-03/07/2025 <br> Open-Audited CLTV of XXX% exceeds Guideline CLTV of 0% - Due Diligence Vendor-03/07/2025 <br> Open-Audited CLTV of XXX% exceeds Guideline CLTV of 70% Senior Lien per Mortgage Statement is in deferred status. Per Credit Supplement dated XXX, the total outstanding principal balance is $XXX. This increases the qualifying CLTV to XXX%. - Due Diligence Vendor-02/03/2025 |  | Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-03/12/2025<br>|  | 1) Stable employment history<br> 2) XXX LTV/XXX CLTV<br> 3) Excellent credit history with re-established credit after BK |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 394612 | XXX | XXX D A | Closed | FSER0011 | 2025-02-25 10:37 | 2025-03-03 14:53 | Resolved | 1 - Information A | Servicing | Pay History | # of Payments 30 days late in last 12 months > 0 | Resolved-Received LOX reflecting 30 day late is over two years. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Open-Missing documentation to reflect when the 1x30 day late payment occurred for XXX as reflected on the credit report. Unable to determine if late occurred outside the 12 month window. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025<br>| Resolved-Received LOX reflecting 30 day late is over two years. - Due Diligence Vendor-03/03/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXX LOE late payment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 394612 | XXX | XXX D A | Closed | FCOM8805 | 2025-02-25 10:38 | 2025-03-03 14:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the application date XXX. Missing documentation to support borrower's authorization for credit pulled on XXX - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-03/03/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXX credit authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 331837 | XXX | XXX D A | Closed | FCRE4963 | 2025-02-12 14:23 | 2025-03-06 17:40 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received supporting documentation Deferred balance is non-interest bearing. Payoff amount reflected on Final CD is sufficient. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. Deferred principal balances do not ever accrue interest, this was commonplace with covid forbearance programs. I have attached an older mortgage statement and the current mortgage statement for the subject property to show the deferred balance amount does not change. If it was interest bearing it would increase but we can see that it doesn't. We have adequately documented and explained the payoff of this deferred balance. - Seller-03/06/2025 <br> Counter-Received Lender LOX, however insufficient to clear condition as unable to determine if deferred balance is non-interest bearing. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. - Seller-03/05/2025 <br> Counter-Received documentation not applicable to this condition. Still missing actual payoff from XXX to ensure correct amount was collected at closing to pay loan in full. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. - Seller-03/04/2025 <br> Ready for Review-Document Uploaded. - Seller-03/04/2025 <br> Counter-Received supporting documentation evidencing payoff of Deferred Balance, however missing actual payoff from XXX to ensure correct amount was collected at closing to pay loan in full. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. - Seller-02/20/2025 <br> Open-Senior Lien Mortgage Statement for XXX #XXX reflects loan is in deferred status. Per guidelines, Loans in active forbearance or deferment. Deferred balance due to a documented hardship may remain open. Without documented hardship, deferred amounts must be paid through closing. File is missing the payoff for deferred balance including all fees associated. - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. Deferred principal balances do not ever accrue interest, this was commonplace with covid forbearance programs. I have attached an older mortgage statement and the current mortgage statement for the subject property to show the deferred balance amount does not change. If it was interest bearing it would increase but we can see that it doesn't.<br>We have adequately documented and explained the payoff of this deferred balance. - Seller-03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/05/2025 <br>Ready for Review-Document Uploaded. - Seller-03/04/2025 <br>Ready for Review-Document Uploaded. - Seller-03/04/2025 <br>Ready for Review-Document Uploaded. - Seller-02/20/2025<br>| Resolved-Received supporting documentation Deferred balance is non-interest bearing. Payoff amount reflected on Final CD is sufficient. - Due Diligence Vendor-03/06/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Final CD showing XXX debt paid off.pdf<br> XXX forebearance docs.pdf<br> XXX January 2025 Bank Statement Rehab XXX.pdf<br> XXX LOE.pdf<br> UW Cert- deferred balance paid at closing.pdf<br> EXPIRED - XXX- mtg stmt.pdf<br> XXX- mtg stmt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 331837 | XXX | XXX D A | Closed | FCRE3978 | 2025-02-13 12:18 | 2025-02-25 09:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Lender LOX received evidencing account paid by business. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. - Seller-02/24/2025 <br> Open-Missing evidence XXX Card #XXX is payable by Business. Statement submitted is for XXX, however, Corresponding Bank Statement is for XXX. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. - Seller-02/24/2025<br>| Resolved-Lender LOX received evidencing account paid by business. - Due Diligence Vendor-02/25/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 331837 | XXX | XXX D A | Closed | FCRE1325 | 2025-02-12 14:52 | 2025-02-25 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Lender LOX-Operating Agreement reflects both borrowers as the only owners/members of the business. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. - Seller-02/24/2025 <br> Open-Missing the CPA letter reflecting the ownership percentage for XXX. - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. - Seller-02/24/2025<br>| Resolved-Received Lender LOX-Operating Agreement reflects both borrowers as the only owners/members of the business. - Due Diligence Vendor-02/25/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 305704 | XXX | XXX C A | Closed | FCRE1148 | 2025-02-19 10:22 | 2025-03-03 15:26 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title policy reflecting correct loan amount and mortgagee. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing Title Supplemental Report evidencing accurate loan amount coverage. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025<br>| Resolved-Received title policy reflecting correct loan amount and mortgagee. - Due Diligence Vendor-03/03/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX%% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | XXX title LOE.pdf<br> XXX Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 305704 | XXX | XXX C A | Closed | FCRE4805 | 2025-02-19 17:53 | 2025-03-03 15:25 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received verification from title company, trust cert was approved. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Open-Trust/POA Does Not Meet Guideline Requirements Missing Trust Certification approval from Title Company per guidelines. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025<br>| Resolved-Received verification from title company, trust cert was approved. - Due Diligence Vendor-03/03/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX%% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | XXX title LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 381448 | XXX | XXX C A | Closed | 1001121-1003175 | 2025-03-13 08:44 | 2025-03-13 08:45 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Resolved - Due Diligence Vendor-03/13/2025 <br> Open-The disclosed Total of Payments ($XXX) is understated by more than $100 when compared to the actual Total of Payments ($XXX). The difference is ($XXX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $100. (12 CFR 1026.38(o)(1)) - Due Diligence Vendor-03/13/2025 |  | Resolved-Resolved - Due Diligence Vendor-03/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 381448 | XXX | XXX C A | Closed | 1001119-1003173 | 2025-03-13 08:44 | 2025-03-13 08:45 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Resolved - Due Diligence Vendor-03/13/2025 <br> Open-The disclosed Total of Payments ($XXX) is understated by more than $35 when compared to the actual Total of Payments of ($XXX). The difference is ($XXX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) - Due Diligence Vendor-03/13/2025 |  | Resolved-Resolved - Due Diligence Vendor-03/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 381448 | XXX | XXX C A | Closed | 1000609-1001960 | 2025-03-05 10:13 | 2025-03-13 08:44 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved- - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. attached - Seller-03/12/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXX) is not three business days before the consummation date of (XXX). Three business days before the consummation date is (XXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) It appears we are missing the actual Initial Closing Disclosure and a Change of Circumstance for the increase in Credit Report Fee to $XXX. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. attached - Seller-03/12/2025<br>| Resolved- - Due Diligence Vendor-03/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | XXX Initial CD Signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 363395 | XXX | XXX D A C | Closed | FCRE4963 | 2025-03-03 08:57 | 2025-03-13 16:49 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received evidence of hardship via borrower LOX. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. Signed LOE from borrower is uploaded for your reference. - Seller-03/13/2025 <br> Counter-Received Lender commentary and loan modification documentation, however insufficient to clear condition as guidelines require documented hardship. Loan Modification Agreement does reflect borrower is experiencing a hardship, however, does not explain the reason for the hardship. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. The modification specifically addresses this is a hardship modification. I have attached modification document for your reference. Kindly check Paragraph 1 "My Representations and Covenants" on page #2. - Seller-03/05/2025 <br> Open-Per lender guidelines Senior liens are ineligible due to active forbearance or deferment. Deferred balance due to a documented hardship may remain open however no supporting documentation is in the file. Without documented hardship, deferred amounts must be paid through closing and lender did not require the balance of $XXX to be paid off. - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. Signed LOE from borrower is uploaded for your reference. - Seller-03/13/2025 <br> Ready for Review-Document Uploaded. The modification specifically addresses this is a hardship modification. I have attached modification document for your reference. Kindly check Paragraph 1 "My Representations and Covenants" on page #2. - Seller-03/05/2025 | Resolved-Received evidence of hardship via borrower LOX. - Due Diligence Vendor-03/13/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Modification doc.pdf<br>Signed LOE - Hardship Loan Mod.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 363395 | XXX | XXX D A C | Closed | 50001028-Fees-Limited | 2025-02-27 14:22 | 2025-03-04 12:31 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received COC for increase in Transfer Taxes. - Due Diligence Vendor-03/04/2025 <br> Resolved- - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. Please find the attached CD dated XXX. It was sent with COC. - Seller-03/04/2025 <br> Open-A Lender Credit for Excess Charges of ($XXX), Principal Reduction for Excess Charges of ($XXX), and general or specific lender credit increases of ($XXX) were applied to the total fee variance of ($XXX) 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. Transfer Taxes (Doc Stamps) increased at Closing without a Valid Change of Circumstance. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. Please find the attached CD dated XXX. It was sent with COC. - Seller-03/04/2025 | Resolved-Received COC for increase in Transfer Taxes. - Due Diligence Vendor-03/04/2025 <br>Resolved- - Due Diligence Vendor-03/04/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX - CD sent proof.pdf<br> XXX - CD with COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 363395 | XXX | XXX D A C | Closed | FCRE1158 | 2025-02-27 12:59 | 2025-03-04 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI policy reflecting additional mortgagee. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. Please find the attached document for your reference. - Seller-03/04/2025 <br> Open-Hazard Insurance Policy Partially Provided Missing second lien Mortgagee clause with XXX. on the hazard insurance policy. - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. Please find the attached document for your reference. - Seller-03/04/2025<br>| Resolved-Received HOI policy reflecting additional mortgagee. - Due Diligence Vendor-03/04/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | HOI POlicy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 363395 | XXX | XXX D A C | Closed | FCRE3978 | 2025-03-03 08:51 | 2025-03-04 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received borrower LOX for inquiries reflecting no new debt obtained. - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. Please find the attached document for your reference. - Seller-03/04/2025 <br>Open-Missing credit inquiry letter of explanation for all inquiries listed on the credit report. - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. Please find the attached document for your reference. - Seller-03/04/2025<br>| Resolved-Received borrower LOX for inquiries reflecting no new debt obtained. - Due Diligence Vendor-03/04/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | LOE Inquiries 2.pdf<br>LOE Inquiries.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 363395 | XXX | XXX D A C | Closed | FCRE7347 | 2025-02-28 14:18 | 2025-03-04 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received solar lease agreement and included in DTI. - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. Please find the attached document for your reference. - Seller-03/04/2025 <br>Open-As per appraisal report subject property has leased solar panels. However, documents for solar/term of agreement are not provided. <br> - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. Please find the attached document for your reference. - Seller-03/04/2025<br>| Resolved-Received solar lease agreement and included in DTI. - Due Diligence Vendor-03/04/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Solar Panel Documentation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 360413 | XXX | XXX C A | Closed | FCRE2994 | 2025-02-18 16:44 | 2025-02-27 16:32 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Updated Income Calc Worksheets and lender's explanation received for both businesses. Updated XXX expense ratio to XXX% and excluded all transfers out to XXX as qualifying income. Updated XXX Income based off of only allowing transfers from XXX as qualifying income. Cleared conditions. - Due Diligence Vendor-02/27/2025 <br> Counter-Lender explanation received, however insufficient to resolve lender's qualifying calculation for XXX business. 12 months business bank statements from XXX xxXXX (XXX 100% owner) and XXX xxXXX (XXX- 50% owner) were provided for timeframe XXX thru XXX. Emerging T business reflects monthly transfer deposits into XXX. XXX income calculation already considered these deposits and the transfer deposits cannot be considered a second time in the XXX calculation. Per guidelines, transfer deposits are not eligible. Total transfers of $XXX were excluded from the XXX calculation. <br> - Due Diligence Vendor-02/25/2025 <br> Ready for Review-We are not using personal bank statements that was shared earlier. Please ignore the same. Only using XXX & XXX income. Both income worksheet is provided. - Seller-02/24/2025 <br> Counter-Lender commentary and income worksheet for XXX received. Still missing XXX income calculation worksheet for personal bank statements. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. - Seller-02/21/2025 <br> Ready for Review-the transfer deposits from XXX to XXX are legitimate income for XXX. we have used a 90% expense factor for XXX for that reason - Seller-02/21/2025 <br> Counter-Received personal bank statements reflecting business deposits. Missing income calculation worksheet used for personal bank statement accounts. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. Other 2 accts for Transfer deposits used PFA. - Seller-02/19/2025 <br> Open-DTI (Back) Ratio does not meet eligibility requirement(s) Qualifying income of $XXX/month for XXX, Inc. is not supported due to use of transfer deposits from 2nd business XXX. Transfer deposits are ineligible resulting in recalculated DTI of XXX%. Missing documentation to support using lenders transfer deposits. - Due Diligence Vendor-02/18/2025 | Ready for Review-We are not using personal bank statements that was shared earlier. Please ignore the same. Only using XXX & XXX income. Both income worksheet is provided. - Seller-02/24/2025 <br> Ready for Review-Document Uploaded. - Seller-02/21/2025 <br> Ready for Review-the transfer deposits from XXX to XXX are legitimate income for XXX. we have used a 90% expense factor for XXX for that reason - Seller-02/21/2025 <br> Ready for Review-Document Uploaded. Other 2 accts for Transfer deposits used PFA. - Seller-02/19/2025 | Resolved-Updated Income Calc Worksheets and lender's explanation received for both businesses. Updated XXX expense ratio to 50% and excluded all transfers out to XXX as qualifying income. Updated XXX Income based off of only allowing transfers from XXX as qualifying income. Cleared conditions. - Due Diligence Vendor-02/27/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 65% |  | XXX and XXX accts.pdf<br> 90% expense factor for XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 368992 | XXX | XXX D A C B | Closed | FPRO1244 | 2025-03-07 10:45 | 2025-03-17 09:48 | Resolved | 1 - Information D A | Property | Missing Doc | 3rd Party Valuation Product is Required and Missing | Resolved-Received CDA reflecting Low Risk, value in line. - Due Diligence Vendor-03/17/2025 <br>Ready for Review-Document Uploaded. - Seller-03/14/2025 <br>Open-Missing Appraisal Desk Review supporting value per guidelines for Non-Owner Occupied Property. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-03/14/2025<br>| Resolved-Received CDA reflecting Low Risk, value in line. - Due Diligence Vendor-03/17/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_RDA-1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 368992 | XXX | XXX D A C B | Closed | FCRE9488 | 2025-03-07 10:40 | 2025-03-14 10:15 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Lender commentary received, acknowledging closing the loan as an Investment property was the more conservative approach. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Subject is currently an investment property and we have no idea when the renovations will be completed and if the borrower will actually occupy the property so we kept it as an investment property. The file was submitted and closed as an investment property, as evidenced on the 1003. All liabilities and mortgages are being accounted for and there is no rental income from the subject or any of the other rental properties being used. We have no way to guarantee or verify the subject will be occupied by the borrowers and changing the loan to owner occupied would only effect the rate/pricing for the better. Keeping the loan as an investment property is the more conservative approach, especially if they decide they would rather rent it out again once the renovations are completed. The borrowers are fine with this transaction being an investment property (as they submitted) and signed the closing docs as an investment property with no issues. There is no change in the qualifying factors on this loan to change it from Investment to Owner Occupied. If the borrower submits and closes this as an investment property that is their choice. we're not using the rental income to qualify so there's no issue. - Seller-03/13/2025 <br> Open-Letter of Explanation in file states Borrower will move into property as a Primary residence, however, loan is underwritten as an XXX Closed End 2nd Lien Cash-Out Refinance of an Investment Property. - Due Diligence Vendor-03/07/2025 | Ready for Review-Subject is currently an investment property and we have no idea when the renovations will be completed and if the borrower will actually occupy the property so we kept it as an investment property. The file was submitted and closed as an investment property, as evidenced on the 1003. All liabilities and mortgages are being accounted for and there is no rental income from the subject or any of the other rental properties being used. We have no way to guarantee or verify the subject will be occupied by the borrowers and changing the loan to owner occupied would only effect the rate/pricing for the better. Keeping the loan as an investment property is the more conservative approach, especially if they decide they would rather rent it out again once the renovations are completed. The borrowers are fine with this transaction being an investment property (as they submitted) and signed the closing docs as an investment property with no issues. There is no change in the qualifying factors on this loan to change it from Investment to Owner Occupied. If the borrower submits and closes this as an investment property that is their choice. we're not using the rental income to qualify so there's no issue. - Seller-03/13/2025<br>| Resolved-Lender commentary received, acknowledging closing the loan as an Investment property was the more conservative approach. - Due Diligence Vendor-03/14/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 368992 | XXX | XXX D A C B | Closed | FCOM1329 | 2025-03-05 17:34 | 2025-03-13 17:59 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Signed Anti-Steering Disclosure - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. - Seller-03/13/2025 <br>Open-Missing Anti Steering/ Loan Option Disclosure from the file. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. - Seller-03/13/2025<br>| Resolved-Received Signed Anti-Steering Disclosure - Due Diligence Vendor-03/13/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX Anti-Steering-Disclosure (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 356964 | XXX | XXX D A C | Closed | FPRO1631 | 2025-03-20 14:23 | 2025-03-28 15:24 | Resolved | 1 - Information C A | Property | Property Issue | Condo Project is Not Warrantable | Resolved-Condo Project is Warrantable - Due Diligence Vendor-03/24/2025 <br> Resolved-Received supporting documentation of Warrantable Condo. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. see codo approval. Vistapoint approved - Seller-03/21/2025 <br> Open-Missing documentation/clarification on warrantability status of subject condominium project. Copy of XXX condominium questionnaire provided however, lender provided copy of "Non-Warrantable Condo Project Review" stating property meets XXX non-warrantable condo guidelines. Guidelines show non-warrantable condos listed under ineligible property types. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. see codo approval. XXX approved - Seller-03/21/2025 | Resolved-Condo Project is Warrantable - Due Diligence Vendor-03/24/2025 <br>Resolved-Received supporting documentation of Warrantable Condo. - Due Diligence Vendor-03/21/2025<br>| LTV is less than guideline maximum - XXX%% LTV is XXX% less than maximum LTV per guidelines 65%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | CondoChecker-Letter-XXX-XXX.pdf<br> email to condo review.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 356964 | XXX | XXX D A C | Closed | FCRE1204 | 2025-03-20 14:29 | 2025-03-24 16:27 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received supporting documentation of the resolution of the two properties in question. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. here are the 2 tax cert - Seller-03/24/2025 <br> Counter-Received Fraud report. Fraud report reflects two properties with Lis Pendens/foreclosure: XXX, and XXX. Borrower LOE lists these properties as included in a lawsuit that was dismissed/XXX expired by the court. The court document provided does not list these two properties. Missing supporting documentation these two properties were included in the "XXX et al vs XXX et al Case documentation provided. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report reflects two properties with XXX/foreclosure: XXX, and XXX. Borrower LOE lists these properties as included in a lawsuit that was dismissed/XXX expired by the court. The court document provided does not list these two properties. Missing supporting documentation these two properties were included in the "XXX et al vs XXX et al Case documentation provided. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. here are the 2 tax cert - Seller-03/24/2025 <br>Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Received supporting documentation of the resolution of the two properties in question. - Due Diligence Vendor-03/24/2025<br>| LTV is less than guideline maximum - XXX%% LTV is XXX% less than maximum LTV per guidelines 65%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Data Verify XXX.pdf<br> Cert of Title 3000.pdf<br> Cert of Title 15281.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 356964 | XXX | XXX D A C | Closed | FCOM8805 | 2025-03-18 14:52 | 2025-03-24 14:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. - Seller-03/24/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-03/24/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-03/24/2025<br>| LTV is less than guideline maximum - XXX%% LTV is XXX% less than maximum LTV per guidelines 65%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Credit Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 356964 | XXX | XXX D A C | Closed | FCRE7497 | 2025-03-18 14:40 | 2025-03-21 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation of HOA Dues for property located at XXX. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 <br> Open-Missing verification HOA fees for non-subject property located at "XXX." HOA documentation provided does not reflect address/unit or fee infomation. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Received supporting documentation of HOA Dues for property located at XXX. - Due Diligence Vendor-03/21/2025 | LTV is less than guideline maximum - XXX%% LTV is XXX% less than maximum LTV per guidelines 65%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | reo docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 356964 | XXX | XXX D A C | Closed | FCRE1325 | 2025-03-20 14:19 | 2025-03-21 16:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received evidence of length of ownership of business. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. This should be sufficient from the XXX Database showing the Company is current and active since XXX - Seller-03/21/2025 <br> Counter-Received CPA Letter, however insufficient to clear condition as guidelines require length of ownership to be reflected on CPA letter OR, 3rd party documentation using verified business license (e.g., government entity, borrower's business attorney). - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 <br> Open-Borrower 1 CPA Letter Missing CPA letter provided reflects borrower is 100% owner of XXX however, guidelines require length of ownership to be reflected on CPA letter OR, 3rd party documentation using verified business license (e.g., government entity, borrower's business attorney). - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. This should be sufficient from the XXX Database showing the Company is current and active since XXX - Seller-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 | Resolved-Received evidence of length of ownership of business. - Due Diligence Vendor-03/21/2025<br>| LTV is less than guideline maximum - XXX%% LTV is XXX% less than maximum LTV per guidelines 65%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | cpa letter.pdf<br> NY Business XXX active.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 356964 | XXX | XXX D A C | Closed | FCRE5782 | 2025-03-18 14:18 | 2025-03-21 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new inquiries or debts. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Credit report dated XXX exceeds 30 days from Note date XXX. Missing copy of gap report dated within 15 days of Note date. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Received gap credit report reflecting no new inquiries or debts. - Due Diligence Vendor-03/21/2025<br>| LTV is less than guideline maximum - XXX%% LTV is XXX% less than maximum LTV per guidelines 65%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | credit reshresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 356964 | XXX | XXX D A C | Closed | FCOM8807 | 2025-03-18 13:12 | 2025-03-21 09:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Report Delivery Confirmation reflecting Appraisal delivered to borrower XXX - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 <br> Open-Appraisal Acknowledgement is missing in loan file. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Received Certified Report Delivery Confirmation reflecting Appraisal delivered to borrower XXX - Due Diligence Vendor-03/21/2025 | LTV is less than guideline maximum - XXX%% LTV is XXX% less than maximum LTV per guidelines 65%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | appraisal delivery.pdf<br>right to receive appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 356964 | XXX | XXX D A C | Closed | FCOM1003 | 2025-03-18 13:12 | 2025-03-21 09:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Spouse of borrower only listed on page 1 of Mortgage to acknowledge Mortgage for Homestead rights. - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. This is a refinance. no warranty needed. see title - Seller-03/21/2025 <br>Open-Missing Grant/Warranty Deed to confirm Vesting on Deed of Trust/Mortgage document in file. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. This is a refinance. no warranty needed. see title - Seller-03/21/2025<br>| Resolved-Spouse of borrower only listed on page 1 of Mortgage to acknowledge Mortgage for Homestead rights. - Due Diligence Vendor-03/21/2025<br>| LTV is less than guideline maximum - XXX%% LTV is XXX% less than maximum LTV per guidelines 65%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 357275 | XXX | XXX B A | Closed | FCOM1329 | 2025-04-03 20:13 | 2025-04-06 11:21 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-04/06/2025 <br>Ready for Review-Document Uploaded. - Seller-04/04/2025 <br>Open- - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-04/06/2025<br>| Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 50<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 60% |  | XXX - anti steering.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 327624 | XXX | XXX D A | Closed | FCRE5790 | 2025-02-26 16:04 | 2025-02-28 15:41 | Resolved | 1 - Information D A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. PFA LQI dated XXX - Seller-02/28/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Missing GAP Credit report dated within 15 days of Note Date per guidelines. GAP Report dated XXX, Note Date XXX. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. PFA LQI dated XXX- Seller-02/28/2025 | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-02/28/2025<br>| Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX LQI report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 305634 | XXX | XXX C A B | Closed | FVAL9739 | 2025-03-17 20:07 | 2025-03-26 16:15 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Lender LOX received. Full appraisal and CU score of 1 is sufficient to clear condition. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/26/2025 <br> Open-Missing copy of secondary valuation product; Guidelines for primary/2nd home Loan amount <$400,000 require AVM with a 90% confidence factor and Property Inspection Condition form. File contains full appraisal and CU score which does not meet requirement. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-Lender LOX received. Full appraisal and CU score of 1 is sufficient to clear condition. - Due Diligence Vendor-03/26/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 305634 | XXX | XXX C A B | Closed | FCOM1329 | 2025-03-13 14:55 | 2025-03-26 08:24 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Signed Anti-Steering Disclosure. - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. - Seller-03/25/2025 <br>Open-Loan option disclosure is missing from the loan file. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025<br>| Resolved-Received Signed Anti-Steering Disclosure. - Due Diligence Vendor-03/26/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX signed anti steering.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 351166 | XXX | XXX C B A | Closed | FPRO1251 | 2025-03-12 18:58 | 2025-04-04 14:11 | Acknowledged | 2 - Non-Material C B | Property | Property | Property Zoning Does Not Meet Program Requirements | Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Counter-Lender commentary received, however insufficient to clear condition. Appraisal reflects subject property zoning as Agricultural (AG)/Grazing and in an ineligible property type per guidelines. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-This property is in XXX and it is only XXX miles from XXX. There is nothing agricultural about it or even close to it other than the name of zoning. It is an old zoning that just maintains the aesthetic of the area and controls the size of the lots. This is an SFR in a populated tract. XXX just approved agricultural zoning on another loan for us, so this should be a non-issue. - Seller-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/25/2025 <br> Open-Appraisal reflects subject property zoning as Agricultural (AG)/Grazing and in an ineligible property type per guidelines. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Ready for Review-This property is in XXX and it is only XXX miles from XXX. There is nothing agricultural about it or even close to it other than the name of zoning. It is an old zoning that just maintains the aesthetic of the area and controls the size of the lots. This is an SFR in a populated tract. XXX just approved agricultural zoning on another loan for us, so this should be a non-issue. - Seller-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/25/2025 | Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/04/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 45%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 | 1) XXX FICO is greater than 720 minimum<br> 2) Residual income is greater than $50,000 | XXX 1008 See UWs comments.pdf<br> XXX EXCEPTION WAIVER EMAIL.pdf<br> XXX XXX XXX XXX Exception Review Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 307749 | XXX | XXX C B A | Closed | 50001257-Fees-Limited | 2025-04-09 15:58 | 2025-04-21 09:35 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Closing Disclosure Issued XXX. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. Tolerance cure to cover the recording fees. The final settlement statement attached shows the correct and accurate fees charged for recording. - Seller-04/19/2025 <br> Open-The total amount of the 10% category fees ($XXX) has increased by more than 10% over the current baseline value of ($XXX). The total amount of fees in the 10% category cannot exceed ($0.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). On the Initial Closing Disclosure in file Issued XXX "Recording Fees" were added without a valid Change of Circumstance, resulting in the below Failure.<br>The total amount of the 10% category fees ($XXX) has increased by more than 10% over the current baseline value of ($XXX). The total amount of fees in the 10% category cannot exceed ($XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Tolerance cure to cover the recording fees. The final settlement statement attached shows the correct and accurate fees charged for recording. - Seller-04/19/2025<br>| Resolved-Received Closing Disclosure Issued XXX. - Due Diligence Vendor-04/21/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680. |  | XXX Respa Tolerance Cure.pdf<br> XXX Final.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 307749 | XXX | XXX C B A | Closed | FCRE4963 | 2025-04-09 18:20 | 2025-04-17 17:05 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received supporting documentation accounts are paid by business. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. The payments to XXX #XXX reflects on the 12 mths business bank statements. - Seller-04/17/2025 <br> Counter-Received evidence XXX #XXX and XXX CARD SERVICES # XXX are paid by business. However, provided business ledger does not reflect payment of XXX #XXX. Missing supporting documentation of XXX #XXX being paid by business to exclude from DTI. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. The business pays for those 3 credit cards, this is the reason they are omitted from the DTI - Seller-04/16/2025 <br> Open-It appears the following debts (XXX #XXX $XXX, XXX CARD SERVICES # XXX $XXX, XXX #XXX $XXX) are excluded from the DTI Calculation from the lender; however, missing documentation evidencing debts were paid off/ $0.00 balance. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. The payments to XXX #XXX reflects on the 12 mths business bank statements. - Seller-04/17/2025 <br> Ready for Review-Document Uploaded. The business pays for those 3 credit cards, this is the reason they are omitted from the DTI - Seller-04/16/2025 | Resolved-Received supporting documentation accounts are paid by business. - Due Diligence Vendor-04/17/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680. |  | XXX Business pays for debts.pdf<br> XXX business bank statements showing payment to XXX #XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 307749 | XXX | XXX C B A | Closed | FCRE1195 | 2025-04-09 15:56 | 2025-04-16 16:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived- - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-Audited CLTV of XXX% exceeds Guideline CLTV of 65% Missing Copy of signed/approved Lender Exception Approval for CLTV exception of XXX% due to max allowed is 65%. <br> Compensating Factors <br> 0 months reserves required<br> 7 years on job <br> No major credit events in 48 months<br> - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>|  | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680. | 1) XXX FICO is greater than 680 minimum<br> 2) XXX years on job | XXX exception approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XXX | 307749 | XXX | XXX C B A | Closed | FCRE1204 | 2025-04-09 15:47 | 2025-04-16 15:52 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received cleared fraud report reflecting explanations for clearance of high alert items. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing documentation to support lender addressed the Five outstanding high impact items on the fraud report.<br> - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Received cleared fraud report reflecting explanations for clearance of high alert items. - Due Diligence Vendor-04/16/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680. |  | XXX Fraud Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 310789 | XXX | XXX D B A C | Closed | FVAL9739 | 2025-03-07 14:58 | 2025-03-11 18:43 | Acknowledged | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-03/11/2025 <br> Counter-Received lender internal exception waiver form, however missing investor approval. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception Request - thank you - Seller-03/11/2025 <br> Open-Per lender guidelines properties listed for sale in the last 6 months are not eligible. Per appraisal report home was listed for sale on XXX in the amount of $XXX and withdrawn XXX. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. Please see attached Exception Request - thank you - Seller-03/11/2025<br>| Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-03/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 | 1) XXX FICO is greater than 700 minimum<br> 2) $XXX Residual Income<br> 3) XXX years on the job | XXX VO XXX Exception Review Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 310789 | XXX | XXX D B A C | Closed | FCRE7497 | 2025-03-07 14:56 | 2025-03-11 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received evidence XXX. does not have HOA Dues. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. Per U/W please see attached property report - XXX is a SFR - no HOA - Seller-03/11/2025 <br> Open-Missing letter from borrower or billing statement for homeowners association dues for XXX. Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. Per U/W please see attached property report - XXX is a SFR - no HOA - Seller-03/11/2025 | Resolved-Received evidence XXX. does not have HOA Dues. - Due Diligence Vendor-03/11/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | property profile- XXX XXX (SFR).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 310789 | XXX | XXX D B A C | Closed | FCRE5782 | 2025-03-06 10:33 | 2025-03-11 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-03/11/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-03/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Soft Pull 2_24_25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 310789 | XXX | XXX D B A C | Closed | FCRE1639 | 2025-03-06 09:42 | 2025-03-11 09:32 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Missing 2 Years Residence History | Resolved-Received revised URLA. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. - Seller-03/11/2025 <br>Open-Borrower 1 Missing 2 Years Residence History URLA missing a 2 year residence history. URLA reflects borrower has been residing in primary home for 8 months with no previous residence history. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-03/11/2025<br>| Resolved-Received revised URLA. - Due Diligence Vendor-03/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | 2020 URLA (1003_65) - All Pages.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 310789 | XXX | XXX D B A C | Closed | FCOM1329 | 2025-03-06 11:55 | 2025-03-11 08:31 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Signed Anti-Steering Disclosure. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Please see attached - Seller-03/11/2025 <br>Open-Missing Anti-Steering Disclosure from file. - Due Diligence Vendor-03/06/2025 | Ready for Review-Please see attached - Seller-03/11/2025<br>| Resolved-Received Signed Anti-Steering Disclosure. - Due Diligence Vendor-03/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | D22-SIGNED ANTI STEERING.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 364945 | XXX | XXX D A | Closed | FCRE1325 | 2025-03-07 17:28 | 2025-03-18 09:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received documentation to support tax preparer (XXX) is is employed by a 3rd party tax preparation service. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Counter-Received CPA letter already included in loan file which is insufficient to clear condition. Still missing documentation to support tax preparer (XXX) is is employed by a 3rd party tax preparation service(XXX), as required by guidelines. Tax preparer PTIN validation only was provided. Per guidelines, PTIN acceptable if documented as employed by a 3rd party tax preparation service. Missing search for XXX or evidence XXX is licensed with CTEC. - Due Diligence Vendor-03/11/2025 <br> Ready for Review-Document Uploaded. - Seller-03/11/2025 <br> Open-Borrower 1 CPA Letter Missing Missing documentation to support tax preparer (XXX) is is employed by a 3rd party tax preparation service(XXX), as required by guidelines. Tax preparer PTIN validation only was provided. Per guidelines, PTIN acceptable if documented as employed by a 3rd party tax preparation service. Missing search for XXX or evidence XXX is licensed with CTEC. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025 <br>Ready for Review-Document Uploaded. - Seller-03/11/2025<br>| Resolved-Received documentation to support tax preparer (XXX) is is employed by a 3rd party tax preparation service. - Due Diligence Vendor-03/18/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 75% |  | XXX Tax Preparer Letter.pdf<br> XXX TRA website printout.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 370020 | XXX | XXX D B A C | Closed | FVAL5524 | 2025-03-14 13:30 | 2025-04-03 11:22 | Acknowledged | 2 - Non-Material C B | Property | Property | Ineligible Property | Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/02/2025 <br> Counter-Received copy of email to support senior lien balloon payment would be considered eligible however, this is an exception to the guideline requirement. Formal written exception approval would be needed. - Due Diligence Vendor-03/29/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <br> Open-Senior lien is ineligible loan type. Senior lien reflects active modification agreement with a maturity date of XXX. At maturity, a balloon payment of $XXX is due (as detailed in the modification agreement). Balloon payments that come due during the amortization period of the 2nd lien are ineligible per guidelines.. Subject loan maturity date is XXX. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/03/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is less than maximum LTV per guidelines 80% | 1) XXX FICO is greater than 680 minimum<br> 2) XXX% DTI is less than 50% maximum | XXX email from XXX scenarios.pdf<br> XXX XXX XXX Exception Review Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| XXX | 370020 | XXX | XXX D B A C | Closed | FCRE1166 | 2025-03-13 21:16 | 2025-04-02 13:57 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Received RCE reflecting HOI has sufficient coverage. - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. - Seller-04/02/2025 <br> Counter-Received lender calculation worksheet for coverage requirements is not sufficient. Guidelines state requirement for 100% of the replacement cost of the improvements as of the current property insurance effective date, or unpaid principal balance of all liens, provided it equals no less than the replacement cost value of the improvements. Insurance policy provided does not reflect show the replacement cost coverage amount.<br> - Due Diligence Vendor-03/29/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <br> Counter-Lender commentary received, however insufficient to clear condition. Policy of $XXX plus XXX% replacement coverage = $XXX which is insufficient coverage. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-THERE'S A XXX% EXTENDED REPLACEMENT COST ON THE POLICY - Seller-03/25/2025 <br> Open-Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXX Senior lien outstanding balance is $XXX plus subject lien $XXX = combined balance of $XXX versus dwelling coverage of $XXX Missing evidence of sufficient dwelling coverage. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025 <br> Ready for Review-Document Uploaded. - Seller-03/28/2025 <br> Ready for Review-THERE'S A XXX% EXTENDED REPLACEMENT COST ON THE POLICY - Seller-03/25/2025 | Resolved-Received RCE reflecting HOI has sufficient coverage. - Due Diligence Vendor-04/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is less than maximum LTV per guidelines 80% |  | XXX HOI calculations.pdf<br> XXX _ ResidentialEstimator - Reports XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 370020 | XXX | XXX D B A C | Closed | FCRE8728 | 2025-03-14 13:25 | 2025-04-02 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved-proof UCC lien release and noted liability on credit report paid. - Due Diligence Vendor-04/02/2025 <br> Counter-Lender comments and UCC lien history provided. Although potential UCC lien expired, it does not satisfy the condition requiring documentation to show the borrower did not borrow funds (obtain a loan) to finance the solar panels. If solar panels paid in cash, supporting documentation also acceptable. - Due Diligence Vendor-03/29/2025 <br> Ready for Review-Document Uploaded. there is nothing on credit, and no solar liens or UCC filings on title. While that should be sufficient here is the former UCC lien showing lapsed in 2022. See bottom filing. <br> In the context of XXX UCC filings, "lapsed" means a financing statement has become ineffective because it has passed its five-year validity period and no continuation statement was filed to extend its effectiveness. <br> - Seller-03/28/2025 <br> Counter-Lender commentary received, however insufficient to clear the condition. Still missing supporting documentation to evidence solar panels are PIF and do not have a monthly payment to include in the DTI. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-SEE APPRAISAL ADDENDUM PAGE 1 UNDER NOTES: THE SOLAR ELECTRIC SYSTEM DOES NOT HAVE ANY ADVERSE EFFECT ON THE SUBJECT'S MARKETABILITY AND IT IN FACT ADDS TO THE SUBJECT'S OVERALL VALUE AND MARKETABILITY<br> THE PANELS ARE OWNED, THERE'S NOTHING ON THE CREDIT REPORT - Seller-03/25/2025 <br> Open-Missing documentation to support the owned solar equipment (per appraisal borrower purchased for $XXX-$XXX) was paid in full. If financed, missing terms of loan. Subject to re-calculation of debt ratio. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. there is nothing on credit, and no solar liens or UCC filings on title. While that should be sufficient here is the former UCC lien showing lapsed in XXX. See bottom filing. <br> In the context of XXX UCC filings, "lapsed" means a financing statement has become ineffective because it has passed its five-year validity period and no continuation statement was filed to extend its effectiveness. <br> - Seller-03/28/2025 <br> Ready for Review-SEE APPRAISAL ADDENDUM PAGE 1 UNDER NOTES: THE SOLAR ELECTRIC SYSTEM DOES NOT HAVE ANY ADVERSE EFFECT ON THE SUBJECT'S MARKETABILITY AND IT IN FACT ADDS TO THE SUBJECT'S OVERALL VALUE AND MARKETABILITY<br> THE PANELS ARE OWNED, THERE'S NOTHING ON THE CREDIT REPORT - Seller-03/25/2025 | Resolved-proof UCC lien release and noted liability on credit report paid. - Due Diligence Vendor-04/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is less than maximum LTV per guidelines 80% |  | solar paid.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 370020 | XXX | XXX D B A C | Closed | FCRE1254 | 2025-03-14 13:42 | 2025-03-27 16:58 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Document uploaded showing title policy coverage is equal to loan amount. Finding resolved. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <br> Open-Property Title Issue Title coverage of $XXX is less than loan amount of $XXX. Missing updated coverage amount. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-Document uploaded showing title policy coverage is equal to loan amount. Finding resolved. - Due Diligence Vendor-03/27/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is less than maximum LTV per guidelines 80% |  | XXX Final title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 360656 | XXX | XXX D A C | Closed | FCRE2994 | 2025-03-05 20:46 | 2025-03-14 16:48 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Open-DTI (Back) Ratio does not meet eligibility requirement(s) Re-calculated debt ratio of XXX% exceeds lender's calculated debt ratio of XXX% due to exclusion of earnings for commercial property at XXX. Lease provided in the name of XXX. Associated commercial loan and not considered by lender, only the property tax and hazard obligations. Commercial properties are considered business in nature and qualified as such. Using commercial rents is not eligible. - Due Diligence Vendor-03/20/2025 <br> Resolved-Lender LOX received, lender is in agreement with TPR DTI. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. - Seller-03/12/2025 | Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-Lender LOX received, lender is in agreement with TPR DTI. - Due Diligence Vendor-03/12/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX cover letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 360656 | XXX | XXX D A C | Closed | FCRE5116 | 2025-03-05 20:57 | 2025-03-14 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received lender commentary and final settlement statement reflecting history prior to loan payoff. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. This Lein was Paid Off this condition is N/A please see the Final Closing Statement thank you - Seller-03/14/2025 <br> Counter-Received VOM, however documentation for senior lien reflects new loan closed with XXX XXX. VOM dated XXX reflects next payment due XXX. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. - Seller-03/12/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing documentation to support borrowers satisfactory housing payment history in the three (3) years prior to loan application using 6 months senior lien payment per credit report OR VOM from institutional lender as required by guidelines. - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. This Lein was Paid Off this condition is N/A please see the Final Closing Statement thank you - Seller-03/14/2025 <br>Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-Received lender commentary and final settlement statement reflecting history prior to loan payoff. - Due Diligence Vendor-03/14/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX VOM Commercial Bank.pdf<br> FInal Settlement XXX XXX Paid Off Commercial Bank Lien.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 360656 | XXX | XXX D A C | Closed | FVAL9739 | 2025-03-05 21:00 | 2025-03-12 14:20 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. - Seller-03/12/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX dated XXX reflects "No AMC" and payment was made directly to appraiser." File contains two appraisals. The second appraisal dated XXX is AIR compliance but was not the first appraisal ordered. Original appraisal does not meet AIR compliance. - Due Diligence Vendor-03/06/2025 | Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-03/12/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX AIR compliance XXX appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 360656 | XXX | XXX D A C | Closed | FCOM1003 | 2025-03-04 11:49 | 2025-03-12 08:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Received Quitclaim Deed and confirmed Vesting. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. - Seller-03/12/2025 <br> Open-Missing Grant/Warranty Deed to confirm Vesting on Deed of Trust/Mortgage document in file. Title report reflects property Vested in XXX, a XXX Limited Liability Company. File is missing Deed from Company to Borrower as Sole and Separate Property. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-Received Quitclaim Deed and confirmed Vesting. - Due Diligence Vendor-03/12/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX - XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 346532 | XXX | XXX B A | Closed | FCOM1329 | 2025-03-21 14:22 | 2025-03-26 08:23 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received eSigned Anti-Steering Disclosure. - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. - Seller-03/25/2025 <br>Open-Missing Anti-Steering Disclosure from the file. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025<br>| Resolved-Received eSigned Anti-Steering Disclosure. - Due Diligence Vendor-03/26/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX ASD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 373401 | XXX | XXX D A | Closed | FCRE7551 | 2025-04-16 18:04 | 2025-05-13 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Additional documentation received reflects no child support obligation owed. - Due Diligence Vendor-05/13/2025 <br> Counter-Received complete child support order, however unable to determine actual age of child as date of birth is not listed. Unable to determine if less than 10 months remaining in order to exclude from DTI. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. Full Divorce Decree - Seller-05/07/2025 <br> Counter-Received child support order, however it is still missing pages. Provided Child support order pages end with section 3.7. Missing additional pages beginning with Section 3.8 to determine if child support is required. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Open-Divorce Decree submitted with file. However, it is missing pages 4-9 of 11 in the Child Support Order Addendum. $XXX in child support payments used to qualify, missing additional pages to support the XXX payment. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Full Divorce Decree - Seller-05/07/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Additional documentation received reflects no child support obligation owed. - Due Diligence Vendor-05/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Divorce decree.pdf<br> XXX Divorce Decree all pages.pdf<br> XXX Divorce Decree all pages.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 392223 | XXX | XXX C A | Closed | FCOM5814 | 2025-01-24 12:41 | 2025-02-25 14:30 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received PC CD reflecting box marked for "does not have a demand feature". - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. POST CD Demand Feature Checked - Seller-02/25/2025 <br> Counter-Received only a page 4 of a Closing Disclosure. Need a full copy of the Final Signed Closing Disclosure with Demand Feature Box marked, or a Post Consummation Closing Disclosure reflecting Demand Feature Box marked. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. - Seller-02/24/2025 <br> Open-On Page 4 of the Final Closing Disclosure in file Issued XXX under the "Loan Disclosures" section, there is no box marked for the "Demand Feature." - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. POST CD Demand Feature Checked - Seller-02/25/2025 <br>Ready for Review-Document Uploaded. - Seller-02/24/2025<br>| Resolved-Received PC CD reflecting box marked for "does not have a demand feature". - Due Diligence Vendor-02/25/2025<br>|  |  | CD P4.pdf<br> POST CD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 392223 | XXX | XXX C A | Closed | 5000880-AbilityToRepay-QMPointsAndFees | 2025-02-25 14:26 | 2025-02-25 14:29 | Resolved | 1 - Information C A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-02/25/2025 <br> Open-The loan fees ($XXX) exceed the (QM) (Note Amount >=$XXX) fee limit, which is 3% of the Total Loan Amount ($XXX), the difference is ($XXX). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-02/25/2025 |  | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-02/25/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 392223 | XXX | XXX C A | Closed | 1000135-1000385 | 2025-02-25 14:26 | 2025-02-25 14:29 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-02/25/2025 <br> Open-The loan's (10.551%) APR equals or exceeds the Federal HPML threshold of (10.13%). The threshold is determined by adding 3.5 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 (6.63%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-02/25/2025 |  | Resolved-Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-02/25/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 392223 | XXX | XXX C A | Closed | 1001288-1003549 | 2025-02-25 14:26 | 2025-02-25 14:28 | Resolved | 1 - Information C A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-02/25/2025 <br> Open-The loan's (10.551%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (10.13%), which is the comparable average prime offer rate of (6.63%) plus 3.5. The System used the following date to perform the APOR index lookup (2024-12-19). The system added 3.5 to the comparable APOR because the ($XXX) note amount equals or exceeds ($XXX). The system used an interest rate of (9.875%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) - Due Diligence Vendor-02/25/2025 |  | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-02/25/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 392223 | XXX | XXX C A | Closed | 1000149-1000412 | 2025-02-25 14:26 | 2025-02-25 14:28 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-XXX Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-02/25/2025 <br> Open-This is a XXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.551%) equals or exceeds the XXX HPML threshold of (10.13%). The threshold is determined by adding 3.5 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 (6.63%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) - Due Diligence Vendor-02/25/2025 |  | Resolved-XXX Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-02/25/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 392223 | XXX | XXX C A | Closed | FCRE1148 | 2025-01-24 10:42 | 2025-02-25 14:10 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting loan amount and mortgagee. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. Final Title - Seller-02/25/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement report to show lender's title insurance coverage and mortgagee. - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. Final Title - Seller-02/25/2025<br>| Resolved-Received final title policy reflecting loan amount and mortgagee. - Due Diligence Vendor-02/25/2025<br>|  |  | XXX final title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 392223 | XXX | XXX C A | Closed | FCRE4963 | 2025-01-24 16:14 | 2025-02-25 13:39 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received corrected payoff statement reflecting good thru XXX. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. Previate payoff demand from Escrow - Seller-02/25/2025 <br> Open-Payoff statement from XXX is provided on XXX valid up to XXX. Provide updated Payoff statement with correct Good Thru year details. - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. Previate payoff demand from Escrow - Seller-02/25/2025<br>| Resolved-Received corrected payoff statement reflecting good thru XXX. - Due Diligence Vendor-02/25/2025 |  |  | XXX PAYOFF DEMAND.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 392223 | XXX | XXX C A | Closed | FVAL9739 | 2025-01-24 16:21 | 2025-02-24 15:20 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Lender commentary received - Appraisal Transfer letter is not required as XXX is a DBA of XXX. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Appraisal Transfer letter is not required as XXX is a DBA of XXX Inc - Seller-02/24/2025 <br> Open-Missing Appraisal Transfer letter in file. - Due Diligence Vendor-01/24/2025 | Ready for Review-Appraisal Transfer letter is not required as XXX is a DBA of XXX - Seller-02/24/2025 | Resolved-Lender commentary received - Appraisal Transfer letter is not required as XXX is a DBA of XXX. - Due Diligence Vendor-02/24/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 303031 | XXX | XXX D A | Closed | FCRE1499 | 2025-03-27 15:14 | 2025-03-27 20:00 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-proceeds sufficient to cover XXX balance. - Due Diligence Vendor-03/28/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXX is equal to or greater than Total Required Reserve Amount of $XXX - Due Diligence Vendor-03/28/2025 <br> Ready for Review-UW Response: <br> Borrower received cash out in excess of the XXX 30 day balance. These funds are sufficient to cover the account payment. Please clear this finding. <br> - Seller-03/27/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $-XXX is less than Total Required Reserve Amount of $XXX Borrower has an open XXX in the amount of $XXX, borrower does not have sufficient reserves for this account. Lender to provide approval to use cash out proceeds for the open XXX account. - Due Diligence Vendor-03/27/2025 | Ready for Review-UW Response: <br> Borrower received cash out in excess of the XXX 30 day balance. These funds are sufficient to cover the account payment. Please clear this finding. <br> - Seller-03/27/2025 | Resolved-proceeds sufficient to cover XXX balance. - Due Diligence Vendor-03/28/2025 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXX is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-03/28/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 303031 | XXX | XXX D A | Closed | FCRE1157 | 2025-03-25 10:40 | 2025-03-27 19:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-received - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Hazard policy located and re-verified. Resolved. - Due Diligence Vendor-03/27/2025 <br>Ready for Review-The document is located on page 319 of the initial upload, please review. - Seller-03/27/2025 <br>Open-Missing Hazard Insurance Policy Provided hazard insurance is quoted as "THIS BINDER IS A TEMPORARY INSURANCE CONTRACT, SUBJECT TO THE CONDITIONS SHOWN ON THE REVERSE SIDE OF THIS FORM." Missing copy of final insurance contract. Subject to recalculation of debt ratio upon receipt. - Due Diligence Vendor-03/25/2025 | Ready for Review-The document is located on page 319 of the initial upload, please review. - Seller-03/27/2025<br>| Resolved-received - Due Diligence Vendor-03/27/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 328998 | XXX | XXX D B A | Closed | FVAL8946 | 2025-04-02 13:57 | 2025-04-10 13:28 | Acknowledged | 2 - Non-Material D B | Property | Missing Doc | Missing Appraisal | Acknowledged-Document Uploaded. Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/10/2025 <br> Counter-No new documentation uploaded to condition. Still missing signed internal waiver form and investor approval. - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Please find attached signed Waiver Form - - Seller-04/10/2025 <br> Counter-Received internal exception waiver, however it is not signed. Also missing Investor exception approval. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception Waiver Form - Thank you - Seller-04/09/2025 <br> Counter-Lender commentary received, however insufficient to clear condition. Section 3.1.1 of XXX guidelines require an AVM with a Confidence Score of 90% and above AND Property Inspection Report, or a Full Appraisal Form 1004. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/04/2025 <br> Open-Missing appraisal documentation per guidelines. Per Guidelines, an AVM with a Confidence Score of 90% and above AND Property Inspection Report is required, or a Full Appraisal Form 1004. An Exterior Appraisal Only (Form 2055) and a CDA Desk Review was submitted with loan file. - Due Diligence Vendor-04/02/2025 | Ready for Review-Please find attached signed Waiver Form - - Seller-04/10/2025 <br>Ready for Review-Document Uploaded. Please see attached Exception Waiver Form - Thank you - Seller-04/09/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/04/2025<br>| Acknowledged-Document Uploaded. Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/10/2025<br>|  | 1) Residual income of $XXX monthly<br> 2) S/E over XXX years<br> 3) Multiple mortgages on credit paid 0x30 for 6 years | XXX XXX - XXX_LenderLOX.pdf<br> XXX_XXX_Exception Waiver Form (002).pdf<br> XXX_XXX Exception Approval.pdf<br> XXX Exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 328998 | XXX | XXX D B A | Closed | FCRE1148 | 2025-03-31 10:56 | 2025-04-07 10:53 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting correct Loan Amount and Mortgagee. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/07/2025 <br> Counter-Lender commentary received, however insufficient to clear condition as preliminary title does not reflect Mortgagee. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-It is a supplement and is piggybacking off of the initial title commitment - this should be more than acceptatble - Seller-04/04/2025 <br> Counter-Received title supplement reflecting Loan Amount, however it is missing the Mortgagee. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/04/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing Title Supplemental Report showing evidence of loan amount coverage and Mortgagee. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-04/07/2025 <br>Ready for Review-It is a supplement and is piggybacking off of the initial title commitment - this should be more than acceptatble - Seller-04/04/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/04/2025<br>| Resolved-Received title supplement reflecting correct Loan Amount and Mortgagee. - Due Diligence Vendor-04/07/2025<br>|  |  | XXX Supplemental Report (002).pdf<br> XXX Supplemental Report (002).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 328998 | XXX | XXX D B A | Closed | FCRE7497 | 2025-04-02 13:59 | 2025-04-04 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation of PITIA for XXX. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Counter-Received mortgage statement and HOI for XXX. Received appraisal for XXX. Still missing evidence of PITIA (mortgage coupon; insurance; property taxes; HOA coupon) for property located at: XXX. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/03/2025 <br> Open-Missing evidence of PITIA (mortgage coupon; insurance; property taxes; HOA coupon) for property located at: XXX. Per Final 1003, this is a new property, no supporting documentation was submitted. Subject to recalculation of DTI. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/03/2025<br>| Resolved-Received supporting documentation of PITIA for XXX. - Due Diligence Vendor-04/04/2025 |  |  | Mortgage Statement - XXX - #XXX - XXX - XXX.pdf<br> Hazard Insurance - XXX.pdf<br> XXX V1 Appraisal.pdf<br> XXX_XXX_1stpymtltr.pdf<br> XXX_XXX_hoi.pdf<br> XXX_Buck_DOTpages1-2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 358196 | XXX | XXX C B A | Closed | FCRE1193 | 2025-04-28 16:18 | 2025-05-02 09:29 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. exception approval is attached. - Seller-05/01/2025 <br> Open-Audited DTI of XXX% exceeds Guideline DTI of 50% Due to: Lender submitted updated Profit & Loss Statement (XXX-XXX). The Gross Income x 40% Expense Factor XXX x 40% ($XXX) = $XXX/12 = $XXX. Lender did not calculate the 40% Expense Factor for a Product Based Business per guidelines. The Lender calculated the monthly Income of Net Income: $XXX/12 = $XXX/mo. - this results in a DTI of XXX%. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. exception approval is attached. - Seller-05/01/2025<br>| Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-05/02/2025<br>|  | 1) Low LTV<br> 2) S/E for XXX years | XXX Exception approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 349105 | XXX | XXX D A | Closed | FCRE1201 | 2025-03-18 11:28 | 2025-03-20 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received cleared fraud report reflecting no hits on OFAC or Loan Participant list. - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. attached - Seller-03/20/2025 <br>Open-Missing Third Party Fraud Report Copy of the OFAC and Loan Participant list results provided; Missing copy of complete fraud report. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. attached - Seller-03/20/2025<br>| Resolved-Received cleared fraud report reflecting no hits on OFAC or Loan Participant list. - Due Diligence Vendor-03/20/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | fraud report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 349105 | XXX | XXX D A | Closed | FCRE5782 | 2025-03-18 10:25 | 2025-03-20 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM report reflecting no new debt or inquiries. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. attached - Seller-03/20/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Credit report dated XXX exceeds 30 days from Note date of XXX. Missing required gap credit report dated within 15 days of Note date. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. attached - Seller-03/20/2025<br>| Resolved-Received UDM report reflecting no new debt or inquiries. - Due Diligence Vendor-03/20/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | XXX UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 349105 | XXX | XXX D A | Closed | FCOM8805 | 2025-03-18 13:16 | 2025-03-20 15:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. attached - Seller-03/20/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. attached - Seller-03/20/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-03/20/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | bor auth.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 349105 | XXX | XXX D A | Closed | FCOM1477 | 2025-03-18 11:26 | 2025-03-20 13:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received Rate Lock Confirmation reflecting loan locked at issuance of Initial CD. - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. attached - Seller-03/20/2025 <br>Open-Evidence of Rate Lock Missing File is missing any form of Rate Lock Confirmation and possible Change of Circumstance and re-disclosure for Rate Lock. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. attached - Seller-03/20/2025<br>| Resolved-Received Rate Lock Confirmation reflecting loan locked at issuance of Initial CD. - Due Diligence Vendor-03/20/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 349105 | XXX | XXX D A | Closed | 50001251-Fees-Limited | 2025-03-18 11:36 | 2025-03-20 13:12 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Resolved - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. attached - Seller-03/20/2025 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Discount Points increased on Initial Closing Disclosure without a Valid Change of Circumstance in file. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. attached - Seller-03/20/2025<br>| Resolved-Resolved - Due Diligence Vendor-03/20/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | coc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 367252 | XXX | XXX D A | Closed | FCOM8805 | 2025-04-09 14:09 | 2025-04-22 17:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received Borrower Authorization. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Seller-04/22/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025<br>| Resolved-Received Borrower Authorization. - Due Diligence Vendor-04/22/2025<br>| LTV is less than guideline maximum - XXX% CTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXX Soft Credit Auth.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 367252 | XXX | XXX D A | Closed | FCRE5782 | 2025-04-09 10:51 | 2025-04-15 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM report reflecting no new debt. New inquiry with XXX addressed via Borrower LOX. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. UDM dated XXX - Seller-04/15/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit Report dated within 15 days of the Note Date per guidelines. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. UDM dated XXX - Seller-04/15/2025 | Resolved-Received UDM report reflecting no new debt. New inquiry with XXX addressed via Borrower LOX. - Due Diligence Vendor-04/15/2025 | LTV is less than guideline maximum - XXX% CTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXX UDM 3-25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 367252 | XXX | XXX D A | Closed | FCRE5783 | 2025-04-09 10:51 | 2025-04-15 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM report reflecting no new debt. New inquiry with XXX addressed via Borrower LOX. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. UDM dated XXX - Seller-04/15/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Missing GAP Credit Report dated within 15 days of the Note Date per guidelines. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. UDM dated XXX- Seller-04/15/2025 | Resolved-Received UDM report reflecting no new debt. New inquiry with XXX addressed via Borrower LOX. - Due Diligence Vendor-04/15/2025 | LTV is less than guideline maximum - XXX% CTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | XXX UDM 3-25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 344873 | XXX | XXX D A | Closed | FCRE4963 | 2025-03-24 13:00 | 2025-04-09 16:37 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received supporting documentation to evidence payoff of XXX account as reflected on Final CD. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Seller-04/09/2025 <br> Open-Missing copy of payoff statement for auto loan with XXX #XXX. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-04/09/2025<br>| Resolved-Received supporting documentation to evidence payoff of XXX account as reflected on Final CD. - Due Diligence Vendor-04/09/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX%% LTV is XXX% less than maximum LTV per guidelines 80% |  | XXX XXX #XXX- paid off (no balance).pdf<br> XXX XXX #XXX- payment history (no balance).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 344873 | XXX | XXX D A | Closed | FCRE5782 | 2025-03-20 16:12 | 2025-03-26 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/25/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report: credit report pulled on XXX and note date is XXX. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-03/26/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX%% LTV is XXX% less than maximum LTV per guidelines 80% |  | XXX soft pull XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 330042 | XXX | XXX C A | Closed | FCRE1648 | 2025-04-02 20:51 | 2025-04-07 12:38 | Resolved | 1 - Information C A | Credit | Eligibility | Missing copy of senior lien Note or Mortgage statement to determine senior lien eligibility | Resolved-Received supporting documentation of first lien. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open-Missing copy of senior lien Note or Mortgage statement to determine senior lien eligibility - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Received supporting documentation of first lien. - Due Diligence Vendor-04/07/2025<br>|  |  | DOT_MORTGAGE ON CURRENT LOAN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 381098 | XXX | XXX D A | Closed | FCRE5782 | 2025-04-30 10:50 | 2025-05-09 09:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM report reflecting no new debt or inquiries. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Open-Borrower 1 Gap Credit Report is Missing credit report dated 3/7/2025 exceeds 30 days from Note date of XXX. Missing copy of gap report dated within 15 days of Note date. Subject to recalculation of debt ratio upon receipt. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025<br>| Resolved-Received UDM report reflecting no new debt or inquiries. - Due Diligence Vendor-05/09/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 50 |  | XXX Drive Report XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 381098 | XXX | XXX D A | Closed | FCOM8805 | 2025-05-01 15:39 | 2025-05-09 09:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Open-Credit report Date is XXX missing borrower authorization before credit report Date. Authorization provided is dated XXX. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-05/09/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 50 |  | XXX authorization XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 395246 | XXX | XXX D A | Closed | FCRE1255 | 2025-04-09 15:57 | 2025-04-24 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Other Property Insurance Policy Missing | Resolved-Received new hazard policy, to include Wind coverage, with Insurance Agent attestation no claims on the property as of XXX. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. Borrower Obtained new insurance which has wind coverage. We have email confirmation from the previous insurance company saying there are no claims on the property - Seller-04/24/2025 <br> Open-Missing Wind Insurance Policy. HOI submitted excludes Wind Coverage, per guidelines, Wind cannot be excluded, or additional policy is required. Additionally, an attestation from the insurance company must be provided reflecting there has been no claim on the property since loan closing. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. Borrower Obtained new insurance which has wind coverage. We have email confirmation from the previous insurance company saying there are no claims on the property - Seller-04/24/2025<br>| Resolved-Received new hazard policy, to include Wind coverage, with Insurance Agent attestation no claims on the property as of XXX. - Due Diligence Vendor-04/24/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | XXX RCE.pdf<br> XXX HOI.pdf<br> XXX HOI no claims email.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 395246 | XXX | XXX D A | Closed | FCOM4247 | 2025-04-09 15:56 | 2025-04-17 16:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Received Final Settlement Statement. - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/17/2025 <br>Open-Missing Final Settlement Statement/Closing Disclosure. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025<br>| Resolved-Received Final Settlement Statement. - Due Diligence Vendor-04/17/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | XXX Final Settlement statement.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 362269 | XXX | XXX C A B | Closed | FCRE4805 | 2025-03-31 10:34 | 2025-04-07 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received evidence of title company approval of the trust. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. Please see attached email confirmation from title - Trust was approved - Seller-04/07/2025 <br> Counter-Received trust certificate, however missing evidence Title Company approved the Trust Certificate. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. Please see attached - could you please specify - meets all requirements listed on page 10 of our XXX- Closed End Second- UW Guidelines - thank you - Seller-04/03/2025 <br> Open-Trust/POA Does Not Meet Guideline Requirements - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Please see attached email confirmation from title - Trust was approved - Seller-04/07/2025 <br> Ready for Review-Document Uploaded. Please see attached - could you please specify - meets all requirements listed on page 10 of our XXX UW Guidelines - thank you - Seller-04/03/2025 | Resolved-Received evidence of title company approval of the trust. - Due Diligence Vendor-04/07/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%. | Missing evidence Title Company approved Trust Certificate per guidelines. | Certification of Trust.pdf<br> NQ2ND-L12-Certification of Trust (2).pdf<br> XXXEmailfromtitleTrustApprovedConfirmation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 362269 | XXX | XXX C A B | Closed | FCOM1329 | 2025-03-31 13:18 | 2025-04-03 14:23 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/03/2025 <br>Open-Loan Option Disclosure/ Anti-Steering Disclosure missing from the file. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-04/03/2025<br>| Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-04/03/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%. |  | XXX_AntiSteering.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 334371 | XXX | XXX D A B | Closed | FCRE7497 | 2025-04-16 12:57 | 2025-04-24 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received revised URLA reflecting no HOA Dues for XXX. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Counter-Lender commentary received, however insufficient to clear condition as Final signed URLA reflects additional monthly expenses of $XXX. If no HOA Dues, provide updated Final signed URLA. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. Please advise where you're seeing HOA dues, thank you, - Seller-04/21/2025 <br> Open-Missing HOA for XXX. Subject to DTI recalculation. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025 <br>Ready for Review-Document Uploaded. Please advise where you're seeing HOA dues, thank you, - Seller-04/21/2025<br>| Resolved-Received revised URLA reflecting no HOA Dues for XXX. - Due Diligence Vendor-04/24/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX Mort. Statement.pdf<br> XXX 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 334371 | XXX | XXX D A B | Closed | FCOM9963 | 2025-04-14 11:29 | 2025-04-18 08:48 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Received Verification of Receipt of Appraisal. - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. - Seller-04/17/2025 <br>Open-Notice of Right to Receive Copy of Written Appraisal / Valuation is Missing from file. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025<br>| Resolved-Received Verification of Receipt of Appraisal. - Due Diligence Vendor-04/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Verification on Receipt of Appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 395706 | XXX | XXX C A | Closed | FCRE1499 | 2025-03-31 18:38 | 2025-04-03 15:33 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $XXX is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Please see note from XXX - this should not be a condition and is to be waived / cleared - Thank you - Seller-04/03/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $-XXXis less than Total Required Reserve Amount of $0 Total Qualified Assets for Reserves Post-Close of $-XXX is less than Total Required Reserve Amount of $0 Missing Asset Statement for $XXX reserves required for 30 Day Open XXX Acct #XXX. Per XXX, Cash Out proceeds cannot be used for reserves. - Due Diligence Vendor-03/31/2025 | Ready for Review-Please see note from XXX - this should not be a condition and is to be waived / cleared - Thank you - Seller-04/03/2025 | Resolved-Total Qualified Assets for Reserves Post-Close of $XXX is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-04/03/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 391682 | XXX | XXX D A | Closed | FCRE3464 | 2025-05-02 10:21 | 2025-05-05 09:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received evidence of S/E within 30 days of Note date. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. DATED 5/2 - Seller-05/02/2025 <br> Open-Verbal VOE for borrowers self employment with XXX, inc. dated within 30 days of Note is missing. Business documentation/CPA provided are dated XXX and XXX and exceed 30 days from Note date XXX. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. DATED 5/2 - Seller-05/02/2025<br>| Resolved-Received evidence of S/E within 30 days of Note date. - Due Diligence Vendor-05/05/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX XXX (XXX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 391682 | XXX | XXX D A | Closed | FCRE6873 | 2025-05-02 09:45 | 2025-05-05 09:22 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Received Fraud Certification. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. - Seller-05/02/2025 <br> Open-Missing documentation to support lender addressed fraud alert reflected on the credit report dated XXX and gap report dated XXX. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-Received Fraud Certification. - Due Diligence Vendor-05/05/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | Credit Fraud Alert XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 391682 | XXX | XXX D A | Closed | 5000880-AbilityToRepay-QMPointsAndFees | 2025-05-02 15:46 | 2025-05-02 15:57 | Resolved | 1 - Information C A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-05/02/2025 <br> Open-The loan fees ($XXX) exceed the (QM) (Note Amount >=$XXX and <$XXX) fee limit, which is ($XXX), the difference is ($XXX). (12 CFR 1026.43(e)(3)). - Due Diligence Vendor-05/02/2025 |  | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-05/02/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 391682 | XXX | XXX D A | Closed | 1001288-1003549 | 2025-05-02 15:46 | 2025-05-02 15:57 | Resolved | 1 - Information C A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-QM Violation is Valid in Mavent, however, Loan is Non-QM. - Due Diligence Vendor-05/02/2025 <br> Open-The loan's (10.796%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.73%), which is the comparable average prime offer rate of (6.23%) plus 3.5. The System used the following date to perform the APOR index lookup (2025-04-17). The system added 3.5 to the comparable APOR because the ($XXX) note amount equals or exceeds ($XXX). The system used an interest rate of (10.0%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) - Due Diligence Vendor-05/02/2025 |  | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-05/02/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 391682 | XXX | XXX D A | Closed | 1000135-1000385 | 2025-05-02 15:46 | 2025-05-02 15:56 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-05/02/2025 <br> Open-The loan's (10.796%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 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 (6.23%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-05/02/2025 |  | Resolved-Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-05/02/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 391682 | XXX | XXX D A | Closed | 1000149-1000412 | 2025-05-02 15:46 | 2025-05-02 15:56 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-XXX Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-05/02/2025 <br> Open-This is a XXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.796%) equals or exceeds the XXX HPML threshold of (9.73%). The threshold is determined by adding 3.5 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 (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) - Due Diligence Vendor-05/02/2025 |  | Resolved-XXX Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-05/02/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 391682 | XXX | XXX D A | Closed | FCOM4227 | 2025-04-30 09:11 | 2025-05-02 15:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. - Seller-05/02/2025 <br> Open-Missing Initial Closing Disclosure. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-05/02/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 360723 | XXX | XXX D A B | Closed | FCRE1325 | 2025-04-08 10:19 | 2025-06-25 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Lender commentary received. CPA Letter in file is sufficient. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Please send us a screenshot of where in the XXX guidelines it states that a CPA letter can't say "several years" or that it has to specify the number of years? thank you, - Seller-04/11/2025 <br> Open-Borrower 1 CPA Letter Missing CPA Letter submitted missing number of years CPA has prepared Tax Returns for business per guidelines. - Due Diligence Vendor-04/08/2025 | Ready for Review-Please send us a screenshot of where in the XXX guidelines it states that a CPA letter can't say "several years" or that it has to specify the number of years? thank you, - Seller-04/11/2025 | Resolved-Lender commentary received. CPA Letter in file is sufficient. - Due Diligence Vendor-04/11/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 360723 | XXX | XXX D A B | Closed | FCOM1329 | 2025-04-07 12:07 | 2025-04-11 14:19 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open- - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-04/11/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | D22-ANTI STEERING FOR XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 365928 | XXX | XXX D A | Closed | 50001258-Fees-Limited | 2025-05-21 12:30 | 2025-06-10 09:15 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Post Consummation Closing Disclosure Issued XXX that reflects Principle Reduction of $XXX, with proof of Reimbursement in the amount of $XXX. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD LOE and XXX Cure to bwr thank you - Seller-06/10/2025 <br> Counter-Received Changed Circumstance Letter and Closing Disclosure Issued XXX, however, Recording Fee increased on the Final Closing Disclosure in file Issued XXX. Need valid Change of Circumstance that reflects Recording Fee increase on Final Closing Disclosure Issued XXX. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. Please see attached CD COC dated XXX for the recording fee increase due to new information received of a RE lien release mentioned. - Seller-05/22/2025 <br> Open-On the Final Closing Disclosure in file Issued XXX the Recording Fees increased without a valid Change of Circumstance, resulting in the following violation: The total amount of the 10% category fees on the last Closing Disclosure ($XXX) has increased by more than 10% over the current baseline value of ($XX). The total amount of fees in the 10% category cannot exceed ($XXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-05/21/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX) has increased by more than 10% over the current baseline value of ($XXX). The total amount of fees in the 10% category cannot exceed ($XXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. Please see attached PCCD LOE and XXX Cure to bwr thank you - Seller-06/10/2025 <br> Ready for Review-Document Uploaded. Please see attached CD COC dated XXX for the recording fee increase due to new information received of a RE lien release mentioned. - Seller-05/22/2025 | Resolved-Received Post Consummation Closing Disclosure Issued XXX that reflects Principle Reduction of $XXX, with proof of Reimbursement in the amount of $XXX. - Due Diligence Vendor-06/10/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | CDCOC4-29.pdf<br> XXX XXX - XXX.pdf<br> XXX XXX - XXX PCCD_LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 365928 | XXX | XXX D A | Closed | FCOM4227 | 2025-05-15 13:39 | 2025-05-21 12:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Changed Circumstance Letter and Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/21/2025 <br> Open-Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/21/2025<br>| Resolved-Received Changed Circumstance Letter and Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-05/21/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX_InitialCDCOCXXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 365928 | XXX | XXX D A | Closed | FCOM1221 | 2025-05-15 13:37 | 2025-05-21 12:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Mortgage with 1-4 Family Rider and Exhibit A Legal Description attached. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-05/21/2025 <br>Open-Mortgage is missing the legal description. Mortgage in file reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 1, however, legal description is missing. Need full copy of Mortgage inclusive of legal description and any riders. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/21/2025<br>| Resolved-Received Mortgage with 1-4 Family Rider and Exhibit A Legal Description attached. - Due Diligence Vendor-05/21/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | MTG WITH LEGAL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 374986 | XXX | XXX D A C | Closed | FCRE1168 | 2025-04-29 15:41 | 2025-05-14 17:32 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Received RCE reflecting sufficient coverage. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $ Combined lien amount of $XXX exceeds hazard coverage amount of $XXX. Missing RCE to support rebuild cost. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/14/2025<br>| Resolved-Received RCE reflecting sufficient coverage. - Due Diligence Vendor-05/14/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85% |  | XXX - LOE ins coverage.pdf<br> XXX HOI with RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 374986 | XXX | XXX D A C | Closed | FCRE1148 | 2025-04-25 14:15 | 2025-05-14 17:30 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting proposed insured and loan amount coverage. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Counter-Lender commentary received, however insufficient to clear condition. Preliminary title report does not include loan amount coverage of $XXX or proposed insured lender. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-We should not need Title to cover both loans. This is a stand alone loan and the loan amount on the Title policy covers the loan amount. I looked into 5 of our loans previously purchased by XXX and they all covered only the second lien loan amount, not both. Please waive this condition. - Seller-05/09/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement with proposed insured lender and coverage amount. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/14/2025 <br> Ready for Review-We should not need Title to cover both loans. This is a stand alone loan and the loan amount on the Title policy covers the loan amount. I looked into 5 of our loans previously purchased by XXX and they all covered only the second lien loan amount, not both. Please waive this condition. - Seller-05/09/2025 | Resolved-Received final title policy reflecting proposed insured and loan amount coverage. - Due Diligence Vendor-05/14/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85% |  | XXX - Final Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 374986 | XXX | XXX D A C | Closed | FCOM8805 | 2025-04-29 10:13 | 2025-05-09 09:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-05/09/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85% |  | XXX - borrower authorization XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 374986 | XXX | XXX D A C | Closed | FVAL9739 | 2025-04-29 09:44 | 2025-05-09 09:12 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-05/09/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85% |  | XXX - appraiser invoice.pdf<br> XXX AIC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 374986 | XXX | XXX D A C | Closed | FCRE5782 | 2025-04-25 14:43 | 2025-05-06 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM report reflecting no new debt or inquiries. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Credit report dated XXX exceeds 30 days from Note date XXX. Missing copy of gap report dated within 15 days of Note. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Received UDM report reflecting no new debt or inquiries. - Due Diligence Vendor-05/06/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85% |  | XXX Drive Report XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 374986 | XXX | XXX D A C | Closed | FCRE5783 | 2025-04-25 14:43 | 2025-05-06 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM report reflecting no new debt or inquiries. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Credit report dated XXX exceeds 30 days from Note date XXX. Missing copy of gap report dated within 15 days of Note. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Received UDM report reflecting no new debt or inquiries. - Due Diligence Vendor-05/06/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85% |  | XXX Drive Report XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 345886 | XXX | XXX D A | Closed | FCRE1316 | 2025-04-24 23:04 | 2025-06-25 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Active Business License. - Due Diligence Vendor-05/01/2025 <br>Counter-Lender commentary received, however no documentation attached to condition. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-GA Business license<br> - Seller-05/01/2025 <br>Counter-Received verification of business existence, however date/timestamp is not included on document to confirm within 30 days of Note Date. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing existence of business within 30-days of the note date for self-employed borrowers, per guidelines. - Due Diligence Vendor-04/25/2025 | Ready for Review-XXX Business license<br> - Seller-05/01/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 | Resolved-Received Active Business License. - Due Diligence Vendor-05/01/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | Business existance pulled XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 345886 | XXX | XXX D A | Closed | FCRE1326 | 2025-04-24 23:04 | 2025-06-25 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received YTD P&L- earnings supported. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. 2025 YTD P&L<br> - Seller-06/04/2025 <br> Counter-Received Year End P&L, however missing XXX YTD Profit and Loss statement. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. Latest P&L - Seller-05/09/2025 <br> Counter-Documentation submitted is not for this condition. Still missing updated YTD Profit & Loss Statement for XXX per guidelines. P&L submitted with loan file is for XXX-XXX.<br> - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. - Seller-05/01/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Missing updated YTD Profit & Loss Statement for XXX per guidelines. P&L submitted with loan file is for XXX-XXX. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. 2025 YTD P&L<br> - Seller-06/04/2025 <br>Ready for Review-Document Uploaded. Latest P&L - Seller-05/09/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-Received YTD P&L- earnings supported. - Due Diligence Vendor-06/04/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX Corp Division.pdf<br> XXX XXX XXX PL 2024.pdf<br> XXX XXX XXX PL XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 345886 | XXX | XXX D A | Closed | FCRE7850 | 2025-04-24 23:17 | 2025-05-01 10:29 | Resolved | 1 - Information B A | Credit | Data | Appraisal Occupancy Variance | Resolved-Received revised appraisal reflecting corrected Occupancy. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Open-Appears to be a discrepancy in the Appraisal Occupancy Section. File is a Primary Residence Refinance transaction and the appraisal is marked Vacant for occupancy. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-Received revised appraisal reflecting corrected Occupancy. - Due Diligence Vendor-05/01/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 345886 | XXX | XXX D A | Closed | FCRE5782 | 2025-04-23 13:59 | 2025-04-30 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-File includes UDM report good through XXX. XXX account reflected as new debt is included in DTI. Loan must close before XXX or UDM must be re-activated. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Hi - this is my first loan thru XXX. To clarify am I supposed to pull a new full credit report 15 days of the note? We use Undisclosed Debt Monitoring thru Fraud. Just need more clarification please. Thank you! - Seller-04/30/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit Report dated within 15 days of Note Date per guidelines. - Due Diligence Vendor-04/25/2025 | Ready for Review-Hi - this is my first loan thru XXX. To clarify am I supposed to pull a new full credit report 15 days of the note? We use Undisclosed Debt Monitoring thru Fraud. Just need more clarification please. Thank you! - Seller-04/30/2025 | Resolved-File includes UDM report good through XXX. XXX account reflected as new debt is included in DTI. Loan must close before XXX or UDM must be re-activated. - Due Diligence Vendor-04/30/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 331869 | XXX | XXX D A | Closed | FCRE1316 | 2025-04-03 16:36 | 2025-06-25 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for Borrower 1. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE dated within 10 days of Note Date per guidelines. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-Received VVOE for Borrower 1. - Due Diligence Vendor-04/04/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | VVOE FINAL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 331869 | XXX | XXX D A | Closed | FCRE1335 | 2025-04-03 16:36 | 2025-06-25 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received 2 years W2 transcripts. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Counter-Received W2 transcripts, however XXX tax year is not reporting. Missing XXX W2 to match to XXX transcripts. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Open-Borrower 1 IRS Transcripts Missing Missing 2 years W2 Transcripts per guidelines. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-Received 2 years W2 transcripts. - Due Diligence Vendor-04/16/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | XXX_W2 TRANSCRIPTS.pdf<br> W2 TRV - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 331869 | XXX | XXX D A | Closed | FCRE1347 | 2025-04-03 16:36 | 2025-06-25 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for Borrower 2. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing VVOE dated within 10 days of Note Date per guidelines. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-Received VVOE for Borrower 2. - Due Diligence Vendor-04/04/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | VVOE FINAL (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 331869 | XXX | XXX D A | Closed | FCRE1365 | 2025-04-03 16:36 | 2025-06-25 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Received 2 years W2 transcripts. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Counter-Received W2 transcripts, however XXX tax year is not reporting. Missing XXX W2 to match to XXX transcripts. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Open-Borrower 2 IRS Transcripts Missing Missing 2 years W2 Transcripts per guidelines. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/04/2025<br>| Resolved-Received 2 years W2 transcripts. - Due Diligence Vendor-04/16/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | XXX_W2 TRANSCRIPTS.pdf<br> W2 TRV - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 362426 | XXX | XXX D A C | Closed | FCOM3075 | 2025-04-15 13:27 | 2025-04-18 14:47 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing US Patriot Act Information Form | Resolved-Received evidence of Driver's License renewal online. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/18/2025 <br> Counter-Patriot Act Disclosure received, however, still missing current/valid copy of Borrower's drivers license. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Driver's License to follow - Seller-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/17/2025 <br> Open-Missing Signed USA Patriot Act Information Form with Customer Identification Verification Patriot act verification provided is blank. Copy of Driver License provided is expired. Missing documentation to support borrower's Drivers License is active. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. - Seller-04/18/2025 <br>Ready for Review-Driver's License to follow - Seller-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/17/2025<br>| Resolved-Received evidence of Driver's License renewal online. - Due Diligence Vendor-04/18/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | PATRIOT ACT.pdf<br> XXX Temp DL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 362426 | XXX | XXX D A C | Closed | FCRE1148 | 2025-04-10 11:53 | 2025-04-17 15:38 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/17/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Title Coverage Amount of $XXX is Less than Total Amount of $XXX Supplement report missing. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025<br>| Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-04/17/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 362426 | XXX | XXX D A C | Closed | FVAL9739 | 2025-04-15 13:35 | 2025-04-17 13:53 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received revised appraisal reflecting corrected number of units to 114. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/17/2025 <br> Open-Appraisal report provided reflect subject is a condominium complex consisting of 26 units and does not match the condominium questionnaire and Master condominium insurance policy reflecting 114 units. Missing documentation to support discrepancy or corrective information. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025<br>| Resolved-Received revised appraisal reflecting corrected number of units to 114. - Due Diligence Vendor-04/17/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX Appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 362426 | XXX | XXX D A C | Closed | FCOM8972 | 2025-04-10 15:50 | 2025-04-15 15:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-Received Condominium Rider inclusive of all pages. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <br>Open-Condominium Rider is in file, however, it's missing Page 2. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-Received Condominium Rider inclusive of all pages. - Due Diligence Vendor-04/15/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX DEED OF TRUST.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 345123 | XXX | XXX D A C | Closed | FCRE3978 | 2025-04-18 13:41 | 2025-04-22 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received borrower LOX for Cash Out. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/22/2025 <br>Open-Missing cash out letter of explanation per lender guidelines. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025<br>| Resolved-Received borrower LOX for Cash Out. - Due Diligence Vendor-04/22/2025<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | LOE - Cash out (1).pdf<br>Summary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 345123 | XXX | XXX D A C | Closed | 2400020-HighCost-Fees | 2025-04-18 15:58 | 2025-04-21 12:31 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: Fees | Resolved- - Due Diligence Vendor-04/21/2025 <br>Open-Ineligible for purchase due to High Cost. - Due Diligence Vendor-04/18/2025 |  |  | LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 345123 | XXX | XXX D A C | Closed | 5000880-HighCost-APR/FEES | 2025-04-17 13:06 | 2025-04-21 12:29 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: APR/FEES | Resolved-Resolved - Due Diligence Vendor-04/21/2025 <br> Open-The loan fees ($XXX) exceed the (FED2014) (Note Amount >=$XXX) fee limit, which is 5% of the Total Loan Amount ($XXX), the difference is ($XXX). (12 CFR 1026.32). - Due Diligence Vendor-04/17/2025 |  | Resolved-Resolved - Due Diligence Vendor-04/21/2025<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 391899 | XXX | XXX D A | Closed | FCRE5782 | 2025-04-28 15:40 | 2025-04-30 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Credit report dated XXX exceeds 30 days from Note date XXX. Gap report dated within 15 days of Note required. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-04/30/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | Soft Pull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 332078 | XXX | XXX D A | Closed | FCRE3653 | 2025-04-21 12:28 | 2025-04-23 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received Borrower Cash Out letter. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. - Seller-04/23/2025 <br>Open-Missing cash out letter of explanation per lender guidelines. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Received Borrower Cash Out letter. - Due Diligence Vendor-04/23/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 70% |  | XXX letter.pdf | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 332078 | XXX | XXX D A | Closed | FCRE5782 | 2025-04-18 10:41 | 2025-04-21 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-04/21/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 70% |  | XXX UDN at funding.pdf<br> XXX UDN at closing.pdf | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 318018 | XXX | XXX D A | Closed | FCRE5782 | 2025-04-29 10:14 | 2025-04-30 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Credit report dated XXX exceeds 30 days from Note date XXX. Missing gap report dated within 15 days of Note date. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-04/30/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | SOFT PULL XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 352001 | XXX | XXX C A | Closed | FCRE1148 | 2025-05-09 15:17 | 2025-05-29 12:15 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised title commitment reflecting title coverage and Mortgagee. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Counter-Lender commentary received, however insufficient to clear condition. Title policy does not include title coverage or Mortgagee. Missing title supplement reflecting title coverage and Mortgagee. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Good morning. This is a stand alone second and the insured amount of $XXX covers the loan. Please waive this condition. - Seller-05/20/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement with amount $XXX. - Due Diligence Vendor-05/13/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Ready for Review-Good morning. This is a stand alone second and the insured amount of $XXX covers the loan. Please waive this condition. - Seller-05/20/2025 | Resolved-Received revised title commitment reflecting title coverage and Mortgagee. - Due Diligence Vendor-05/29/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX REVISED PRELIM_XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 320874 | XXX | XXX D A C | Closed | FCRE1321 | 2025-05-05 16:03 | 2025-05-07 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing attorney opinion letter/trust review documentation | Resolved-Received statement of opinion from attorney which is acceptable. - Due Diligence Vendor-05/07/2025 <br> Counter-Received statement of opinion from attorney, however missing actual attorney review documentation to ensure closing parameters were met. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-Missing XXX Attorney Review for a XXX Home Equity transaction. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Received statement of opinion from attorney which is acceptable. - Due Diligence Vendor-05/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX - XXX_50_a__6__Client_Certification_Form (1) signed.pdf<br> XXX Attorney statement of Opinion.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 320874 | XXX | XXX D A C | Closed | FCRE1252 | 2025-05-05 16:02 | 2025-05-06 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received supporting documentation of T42.1 endorsement. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Please see the title endorsements that will be included on the final title policy. - Seller-05/06/2025 <br> Open-Missing evidence of T-42.1 Endorsement for XXX Home Equity transaction. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. Please see the title endorsements that will be included on the final title policy. - Seller-05/06/2025<br>| Resolved-Received supporting documentation of T42.1 endorsement. - Due Diligence Vendor-05/06/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | ENDORSEMENTS_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 320874 | XXX | XXX D A C | Closed | FCOM8003 | 2025-05-05 16:08 | 2025-05-06 10:20 | Resolved | 1 - Information B A | Compliance | TRID | Final CD: Date Issued does not match actual date delivered | Resolved-Received Closing Disclosure Issued XXX with proof of receipt on XX. Also, received Owner Affidavit of Compliance that reflects Borrower received a copy of the most current version of the loan application prior to the day of closing. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Please see the Owners affidavit of compliance that states the borrower received the Final CD prior to the closing date. In addition, please see the initial CD that shows the borrower received the CD prior to closing. All of these documents were included in the closing package that was uploaded to the file. - Seller-05/06/2025 <br> Counter-Received Acknowledgment as to Fair Market Value of Homestead Property. Need proof Final Closing Disclosure & Final 1003 were generated and delivered to borrower one day prior to closing. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-Missing evidence Final CD & Final 1003 were generated and delivered to borrower 1 day prior to closing. This is a XXX Home Equity requirement. Final CD & Final 1003 submitted are dated XXX which is the same day as the Closing Date. - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. Please see the Owners affidavit of compliance that states the borrower received the Final CD prior to the closing date. In addition, please see the initial CD that shows the borrower received the CD prior to closing. All of these documents were included in the closing package that was uploaded to the file. - Seller-05/06/2025 <br>Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Received Closing Disclosure Issued XXX with proof of receipt on XXX. Also, received Owner Affidavit of Compliance that reflects Borrower received a copy of the most current version of the loan application prior to the day of closing. - Due Diligence Vendor-05/06/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX Acknowledgment of Fair market value.pdf<br> OWNERS AFFIDAVIT OF COMPLIANCE2.pdf<br> Closing Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 320874 | XXX | XXX D A C | Closed | FCOM1005 | 2025-05-01 13:34 | 2025-05-06 10:06 | Resolved | 1 - Information C A | Compliance | Disclosure | TX Affidavit of Reasonable Costs on Homestead Property is missing | Resolved-Received Owner Affidavit Acknowledging Lender Compliance with Constitutional Requirements to Provide Owner Copy of Loan Application and Early Final Itemized Disclosure of Actual Fees, Points, Interest, Costs, and Charges. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Please see the Extension of credit and XXX affidavit and agreement, these documents were already included in the closing package. - Seller-05/06/2025 <br> Counter-Received Acknowledgment as to Fair Market Value of Homestead Property. Need Affidavit of Reasonable Costs on Homestead Property. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-XXX Affidavit of Reasonable Costs on Homestead Property is missing from the file. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Please see the Extension of credit and XXX affidavit and agreement, these documents were already included in the closing package. - Seller-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 | Resolved-Received Owner Affidavit Acknowledging Lender Compliance with Constitutional Requirements to Provide Owner Copy of Loan Application and Early Final Itemized Disclosure of Actual Fees, Points, Interest, Costs, and Charges. - Due Diligence Vendor-05/06/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX Acknowledgment of Fair market value.pdf<br> XXX - Extension of Credit.pdf<br> XXX AFFIDAVIT AND AGREEMENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 320874 | XXX | XXX D A C | Closed | FCOM1007 | 2025-05-01 13:34 | 2025-05-06 10:04 | Resolved | 1 - Information C A | Compliance | Disclosure | TX Owner's Affidavit Regarding Advance of Additional Funds is Missing | Resolved-Received Owner Affidavit Acknowledging Lender Compliance with Constitutional Requirements to Provide Owner Copy of Loan Application and Early Final Itemized Disclosure of Actual Fees, Points, Interest, Costs, and Charges. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. Please see the Owner's affidavit of compliance, this was also included in the closing package - Seller-05/06/2025 <br> Open-XXX Owner's Affidavit Regarding Advance of Additional Funds is Missing from the file. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Please see the Owner's affidavit of compliance, this was also included in the closing package - Seller-05/06/2025<br>| Resolved-Received Owner Affidavit Acknowledging Lender Compliance with Constitutional Requirements to Provide Owner Copy of Loan Application and Early Final Itemized Disclosure of Actual Fees, Points, Interest, Costs, and Charges. - Due Diligence Vendor-05/06/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | AFFIDAVIT OF COMPLIANCE.pdf<br>OWNERS AFFIDAVIT OF COMPLIANCE2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 326895 | XXX | XXX D A | Closed | FCRE1365 | 2025-04-30 18:48 | 2025-06-25 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/25/2025 <br> Resolved-Received W2 transcripts. - Due Diligence Vendor-05/01/2025 <br> Ready for Review-Document Uploaded. Tax transcripts - Seller-05/01/2025 <br> Open-Missing XXX tax transcripts for Co-Borrower or evidence of no results found and missing XXX tax transcripts for Co-Borrower. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Tax transcripts - Seller-05/01/2025<br>| Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/25/2025 <br>Resolved-Received W2 transcripts. - Due Diligence Vendor-05/01/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Transcripts.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 340319 | XXX | XXX D A B | Closed | FCRE7878 | 2025-04-18 09:46 | 2025-04-18 18:42 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received updated documentation to support re-calculated debt ratio. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Final 1003 and updated final 1008. The XXX ratio is correct - Seller-04/18/2025 <br> Open-Lenders DTI of XXX is less than what was calculated of XXX. This is due to lender excluding a $XXX payment with XXX with no explanation or no supporting documentation to justify the exclusion. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. Final 1003 and updated final 1008. The XXX ratio is correct - Seller-04/18/2025 | Resolved-Received updated documentation to support re-calculated debt ratio. - Due Diligence Vendor-04/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80% |  | fianl 1003.pdf<br>final 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 340319 | XXX | XXX D A B | Closed | FCOM8805 | 2025-04-17 15:42 | 2025-04-18 17:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization dated XXX and pre-dates credit pulled by lender. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. we have a pre credit auth and a borrower auth. BOTH signed before credit report - Seller-04/18/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. we have a pre credit auth and a borrower auth. BOTH signed before credit report - Seller-04/18/2025<br>| Resolved-Received borrower authorization dated XXX and pre-dates credit pulled by lender. - Due Diligence Vendor-04/18/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80% |  | credit auth.pdf<br>auth.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 379332 | XXX | XXX D A | Closed | FCRE5782 | 2025-04-22 09:59 | 2025-04-28 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Guideline Clarification received - resolved. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. A soft pull is not required on DSCR loans. We also had pre close review done on this file and they did not call our for a soft pull. - Seller-04/28/2025 <br> Counter-Received lender commentary, however insufficient to clear condition. Per Sections 6.4 of guidelines, a gap report is required if Note date is greater than 30 days after the date of the credit report relied upon for underwriting. The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 15 days of the Note date.<br> - Due Diligence Vendor-04/25/2025 <br> Ready for Review-The credit authorization referenced below is for a completely different loan, this is for a loan that previously closed for the same borrower. We use this letter and credit report from that file because there is no need to repull credit for the borrower if the original credit report is not expired. - Seller-04/24/2025 <br> Counter-Received borrower authorization, however missing the gap credit report as Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. We've done several loans for this borrower. We used the credit report from a previous loan since it hasn't expired. Here is the credit authorization from the previous loan. - Seller-04/23/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. A soft pull is not required on DSCR loans. We also had pre close review done on this file and they did not call our for a soft pull. - Seller-04/28/2025 <br>Ready for Review-The credit authorization referenced below is for a completely different loan, this is for a loan that previously closed for the same borrower. We use this letter and credit report from that file because there is no need to repull credit for the borrower if the original credit report is not expired. - Seller-04/24/2025 <br>Ready for Review-Document Uploaded. We've done several loans for this borrower. We used the credit report from a previous loan since it hasn't expired. Here is the credit authorization from the previous loan. - Seller-04/23/2025<br>| Resolved-Guideline Clarification received - resolved. - Due Diligence Vendor-04/28/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Credit Authorization.pdf<br> XXX Gap Credit report LOX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 379332 | XXX | XXX D A | Closed | FCRE7497 | 2025-04-22 10:06 | 2025-04-25 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation for XXX and XXX. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. additional REO docs, this loan closed last month. I am submitting CD, First payment letter, note and MTG. - Seller-04/24/2025 <br> Counter-Received REO docs for XXX, however missing REO docs for XXX. - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. docs for REO - Seller-04/23/2025 <br> Open-Missing mortgage statements for XXX borrowers' current primary home and XXX, borrowers' investment property. - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. additional REO docs, this loan closed last month. I am submitting CD, First payment letter, note and MTG. - Seller-04/24/2025 <br>Ready for Review-Document Uploaded. docs for REO - Seller-04/23/2025<br>| Resolved-Received supporting documentation for XXX and XXX. - Due Diligence Vendor-04/25/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX XXX REO docs.pdf<br> XXX XXX REO docs.pdf<br> XXX XXX REO docs additional.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 350567 | XXX | XXX D A | Closed | FCOM8805 | 2025-04-17 11:01 | 2025-04-18 11:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received credit authorization dated XXX - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. We've done several loans for this borrower. We used the credit report from a previous loan since it hasn't expired. Here is the credit authorization from the previous loan. - Seller-04/18/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. We've done several loans for this borrower. We used the credit report from a previous loan since it hasn't expired. Here is the credit authorization from the previous loan. - Seller-04/18/2025<br>| Resolved-Received credit authorization dated XXX - Due Diligence Vendor-04/18/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Credit Authorization.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 334194 | XXX | XXX D B A C | Closed | FVAL5474 | 2025-04-25 17:13 | 2025-04-28 09:49 | Waived | 2 - Non-Material C B | Property | Property | Condo project is ineligible | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. hello, this appear and pre close review and XXX approved an exception, - Seller-04/28/2025 <br> Open-Borrower reflects ownership of four units in the condominium complex and exceeds guideline maximum of two units. Missing documentation to support eligibility of borrower's total owned properties. in the complex. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. hello, this appear and pre close review and XXX approved an exception, - Seller-04/28/2025 | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/28/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50.00% | 1) XXX% DTI is less than 50% maximum.<br> 2) XXX months of Reserves is greater than requires Reserves of 0. | Exception approval.pdf<br>Exception Waiver.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XXX | 334194 | XXX | XXX D B A C | Closed | FCRE5782 | 2025-04-24 13:28 | 2025-04-28 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Credit report dated XXX exceeds 30 days from Note date XXX. Gap report within 15 days of Note is required. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-04/28/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50.00% |  | Credit Refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 326363 | XXX | XXX D A | Closed | FCOM8805 | 2025-04-22 21:40 | 2025-05-05 17:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received Borrower Authorization. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-Missing copy of borrower's authorization to pull credit report dated XXX. Credit report dated XXX is dated prior to borrower's signed authorization dated XXX. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Received Borrower Authorization. - Due Diligence Vendor-05/05/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | C51_CreditAuthorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 387656 | XXX | XXX C A | Closed | FCRE1294 | 2025-05-01 17:15 | 2025-05-15 16:12 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Lender LOX received supporting Lease Agreements can be used. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Please see attached LOE from the Underwriter regarding no lease history. - Seller-05/15/2025 <br> Open-Income 3 Months Income Verified is Missing Missing documentation supporting Lease Agreements can be used to qualify Rental Income used. Per Guidelines, FNMA is to be followed for Other income. Per FNMA Guidelines, Schedule E is to be used to qualify Subject Rental income for properties owned prior to the previous tax year. Borrower acquired property XXX. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Please see attached LOE from the Underwriter regarding no lease history. - Seller-05/15/2025<br>| Resolved-Lender LOX received supporting Lease Agreements can be used. - Due Diligence Vendor-05/15/2025<br>| Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 50<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX LOE lease history.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 363082 | XXX | XXX D A | Closed | FCRE8611 | 2025-05-23 18:53 | 2025-06-17 13:15 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received lender LOX and rental calculation supported. - Due Diligence Vendor-06/17/2025 <br> Counter-Lender LOX received, however insufficient to clear condition per FNMA guidelines section B3-1.08 "Calculating monthly qualifying income or loss for principal residence" reflect use of eligible rental income on the subject property (primary residence) can't exceed the total combined PITIA value. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Counter-Lender LOX received, however insufficient to clear condition as FNMA guidelines "Calculating monthly qualifying income or loss for principal residence" reflect use of eligible rental income on the subject property (primary residence) can't exceed the total combined PITIA value. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-Re-calculated DTI of XXX% exceeds lenders calculated DTI of XXX% due to use of eligible rental income on the subject property(primary residence). The eligible rents can't exceed the total combined PITIA value. Net schedule "E" rents of $XXX exceed total pitia of $XXX - maximum eligible rental earnings can't exceed $XX (can only offset the payment, can't use excess value). - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-Received lender LOX and rental calculation supported. - Due Diligence Vendor-06/17/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX XXX LOE.pdf<br> XXX revised profit and loss.pdf<br> XXX_LenderLOX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 363082 | XXX | XXX D A | Closed | FCRE1316 | 2025-05-21 09:46 | 2025-06-17 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received evidence of self-employment dated within 30 days of the Note Date. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing evidence of borrowers self-employment dated within 30 days of Note date(XXX). CPA letter provided is dated XXX and exceeds 30 days from Note. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-Received evidence of self-employment dated within 30 days of the Note Date. - Due Diligence Vendor-06/10/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Updated CPA XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 363082 | XXX | XXX D A | Closed | FCRE1326 | 2025-05-23 19:07 | 2025-06-17 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received YTD P&L. - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-06/16/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing Missing copy of current YTD P&L or 3 months bank statements per guideline requirement for self-employed borrowers. - Due Diligence Vendor-05/23/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/16/2025<br>| Resolved-Received YTD P&L. - Due Diligence Vendor-06/16/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX revised profit and loss.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 363082 | XXX | XXX D A | Closed | FCRE1157 | 2025-05-20 09:44 | 2025-06-16 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-06/16/2025 <br> Counter-Received current HOI policy, however policy is still missing annual premium. - Due Diligence Vendor-06/13/2025 <br> Ready for Review-Please see attached - Seller-06/13/2025 <br> Counter-Received HOI policy, however Effective dates are from XXX to XXX - policy was not in effect at time of loan closing. Additionally, policy is missing the annual premium. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/09/2025 <br> Open-Missing Hazard Insurance Policy Provided hazard insurance is quoted as "THIS BINDER IS A TEMPORARY INSURANCE CONTRACT, SUBJECT TO THE CONDITIONS SHOWN ON PAGE 2 OF THIS FORM." Missing copy of final insurance contract. Subject to recalculation of debt ratio upon receipt. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-06/16/2025 <br>Ready for Review-Please see attached - Seller-06/13/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-Received HOI policy. - Due Diligence Vendor-06/16/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX XXX EVIDENCE OF INSURANCE.pdf<br> XXXHOICurrent.pdf<br> XXX EVIDENCE_3902.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 363082 | XXX | XXX D A | Closed | 5000880-AbilityToRepay-QMPointsAndFees | 2025-05-28 09:05 | 2025-05-28 09:12 | Resolved | 1 - Information C A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM.<br> - Due Diligence Vendor-05/28/2025 <br> Open-The loan fees ($XXX) exceed the (QM) (Note Amount >=$XXX) fee limit, which is 3% of the Total Loan Amount ($XXX), the difference is ($XXX). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-05/28/2025 |  | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM.<br> - Due Diligence Vendor-05/28/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 363082 | XXX | XXX D A | Closed | FCOM4227 | 2025-05-20 10:56 | 2025-05-28 09:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Closing Disclosure Issued XXX. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Open-Missing Initial Closing Disclosure. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025<br>| Resolved-Received Closing Disclosure Issued XXX. - Due Diligence Vendor-05/28/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 336255 | XXX | XXX C A | Closed | 50001251-Fees-Limited | 2025-04-22 13:11 | 2025-05-02 14:35 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Changed Circumstance Letter Dated XXX that reflects Loan Amount increasing, XXX Report results in a Pass. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/02/2025 <br> Counter-Received Changed Circumstance Letter dated XXX that was already in file. Changed Circumstance Letter correctly corresponds with Revised Closing Disclosure Issued XXX, however, it does not reflect increase in Loan Amount or Broker Fees. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/30/2025 <br> Counter-Received Disclosure Tracking Reasons (CD) Issued XXX that corresponds with Initial Closing Disclosure Issued XXX. Need Change of Circumstance (COC) that corresponds with Revised Closing Disclosure Issued XXX. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. - Seller-04/25/2025 <br> Counter-Change in loan amount is a valid Change of Circumstance for an increase in Broker Fees, however, the Changed Circumstance Letter in file dated XXX does not reflect a change in loan amount either. Changed Circumstance Letter only reflects "COC due to DTI increasing thus increasing Points," therefore it cannot be applied to the increase in Broker Fees. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-The broker fee being paid by the borrower will change when the loan amount change, COC doesn't need to reflect that the broker fee is changing when the loan amount is changing, the loan amount changing is an adequate reason for the broker fee to increase. The broker fee is a percentage of the loan amount and thus moves lock and step with the loan amount. - Seller-04/24/2025 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Changed Circumstance Letter in file dated 04/09/2025 does not reflect increase in Broker Fee, resulting in below Failure. <br> The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Ready for Review-The broker fee being paid by the borrower will change when the loan amount change, COC doesn't need to reflect that the broker fee is changing when the loan amount is changing, the loan amount changing is an adequate reason for the broker fee to increase. The broker fee is a percentage of the loan amount and thus moves lock and step with the loan amount.<br>- Seller-04/24/2025<br>| Resolved-Received Changed Circumstance Letter Dated XXX that reflects Loan Amount increasing, XXX Report results in a Pass. - Due Diligence Vendor-05/02/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | Disclosure Tracking Reasons (CD).pdf<br> COC Form XXX.pdf<br> XXX COC XXX.pdf | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 365234 | XXX | XXX D A | Closed | FCOM8805 | 2025-05-06 15:42 | 2025-05-15 10:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. - Seller-05/15/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. - Seller-05/15/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-05/15/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660. |  | XXX Credit Auth.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 305878 | XXX | XXX D A C | Closed | FCRE7497 | 2025-04-29 16:55 | 2025-05-07 09:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation. - Due Diligence Vendor-05/07/2025 <br> Counter-Received taxes and insurance for property located at XXX, however XXX Statement reflects property address as XXX. Documentation submitted does not match REO Section of 1003. Subject to recalculation of qualifying ratios upon receipt. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Missing Documentation to support rental income calculation for property located at XXX is accurate. Documentation submitted does not match REO Section of 1003. A 1st Lien with XXX Statement is provided, in addition to what appears to be a 2nd Lien Note and Deed of Trust, however, the Final 1003 reflects no mortgage. Subject to recalculation of qualifying ratios upon receipt. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Received supporting documentation. - Due Diligence Vendor-05/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | PITI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 305878 | XXX | XXX D A C | Closed | FCRE1648 | 2025-04-25 11:35 | 2025-05-07 09:18 | Resolved | 1 - Information C A | Credit | Eligibility | Missing copy of senior lien Note or Mortgage statement to determine senior lien eligibility | Resolved-Received supporting documentation for Senior Lien. - Due Diligence Vendor-05/07/2025 <br> Counter-Received XXX Statement for property located at XXX, however statement does not reflect this is cross collateralized with subject property. Unable to support existing Senior Lien on subject property. Subject to re-calculation of qualifying ratios upon receipt. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Missing copy of senior lien Note or Mortgage statement to determine senior lien eligibility Missing Documentation to support Senior Lien for subject property. Statement provided is for property located at XXX. Missing Senior Lien Information for subject property. Subject to recalculation qualifying ratios, LTV and CLTV upon receipt. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Received supporting documentation for Senior Lien. - Due Diligence Vendor-05/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Mortgage stmt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 305878 | XXX | XXX D A C | Closed | FCRE4963 | 2025-04-29 17:00 | 2025-04-30 14:36 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received payoff statement. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Missing payoff statements for 1 mortgage accounts being paid off. Credit Report does not reflect liability and no payoff statement was submitted with loan file. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Received payoff statement. - Due Diligence Vendor-04/30/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Payoff for Mtg.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 305878 | XXX | XXX D A C | Closed | FVAL9739 | 2025-04-29 09:26 | 2025-04-30 14:12 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Counter-Received email correspondence, however insufficient to clear condition. Still missing documentation to Confirm if AIR compliance is met, appraisal reflects no AMC, and payment was made directly to the appraiser. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. - Seller-04/29/2025 <br>Open-Missing documentation to Confirm if AIR compliance is met, appraisal reflects no AMC, and payment was made directly to the appraiser. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Ready for Review-Document Uploaded. - Seller-04/29/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-04/30/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | AIR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 349777 | XXX | XXX D A | Closed | FCRE5782 | 2025-05-20 14:38 | 2025-05-28 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. - Seller-05/28/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report that is required if Note date is greater than 30 days after the date of the credit report relied upon for underwriting. Note date is XXX & credit report date is XXX. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-05/28/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Credit Report Refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 325852 | XXX | XXX B A | Closed | FCOM1329 | 2025-05-15 14:23 | 2025-05-21 12:22 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Loan Options Disclosure. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-05/21/2025 <br>Open-Missing Anti-Steering Disclosure from the file. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-05/21/2025<br>| Resolved-Received Anti-Steering Loan Options Disclosure. - Due Diligence Vendor-05/21/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_AntiSteeringDisc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 344490 | XXX | XXX D A C | Closed | FCRE1193 | 2025-05-09 13:50 | 2025-05-12 15:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/12/2025 <br> Resolved-Tax cert provided. Debt ratio re-calculated. Resolved. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. This condition is not valid. Tax cert provided shows total taxes of XXX. a partial payment of the taxes has been made for XXX and the balance is XXX. XXX is the total tax not the half assessment. The Tax Record info sheet from title is not correct - Seller-05/12/2025 <br> Open-Audited DTI of XXX% exceeds Guideline DTI of 50% Senior lien mortgage statement is impounded. Escrow payment is $XXX versus verified tax $XXX + verified haz $XXX = $XXX. Escrow is short $XXX and added to debt ratio resulting in re-calculated DTI of XXX% - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. This condition is not valid. Tax cert provided shows total taxes of XXX. a partial payment of the taxes has been made for XXX and the balance is XXX. XXX is the total tax not the half assessment. The Tax Record info sheet from title is not correct - Seller-05/12/2025 | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/12/2025 <br> Resolved-Tax cert provided. Debt ratio re-calculated. Resolved. - Due Diligence Vendor-05/12/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | Tax Certificate.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 344490 | XXX | XXX D A C | Closed | FVAL8862 | 2025-05-09 18:03 | 2025-05-12 15:00 | Resolved | 1 - Information D A | Property | Missing Doc | File does not contain all required valuation documents | Resolved-XXX owns XXX company. PCI included in loan file is sufficient. - Due Diligence Vendor-05/12/2025 <br> Open-Property Condition Inspection Report provided by XXX does not meet guideline requirement of PCI reports from one of the following agencies: XXX, XXX, XXX, XXX, XXX, XXX or XXX. - Due Diligence Vendor-05/09/2025 |  | Resolved-XXX owns XXX. PCI included in loan file is sufficient. - Due Diligence Vendor-05/12/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 344490 | XXX | XXX D A C | Closed | FCOM4765 | 2025-05-08 19:50 | 2025-05-12 11:02 | Resolved | 1 - Information C A | Compliance | TRID | CD: Liability After Foreclosure Not Complete | Resolved-Received Post Consummation Closing Disclosure Issued XXX with Liability after Foreclosure completed. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Open-CD: Liability After Foreclosure Not Complete - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. - Seller-05/12/2025<br>| Resolved-Received Post Consummation Closing Disclosure Issued XXX with Liability after Foreclosure completed. - Due Diligence Vendor-05/12/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 339966 | XXX | XXX D A | Closed | FCRE1316 | 2025-05-05 11:06 | 2025-06-25 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE within 10 days of closing. - Due Diligence Vendor-05/14/2025 <br>Ready for Review-attached - Seller-05/13/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/05/2025 | Ready for Review-attached - Seller-05/13/2025<br>| Resolved-Received VVOE within 10 days of closing. - Due Diligence Vendor-05/14/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX SOS.pdf<br> XXX-XXX_ Percentage of Ownership.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 320593 | XXX | XXX C A | Closed | FVAL9739 | 2025-05-03 12:35 | 2025-05-06 10:54 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX Inc does not reflect an AMC and payment was made directly to appraiser. - Due Diligence Vendor-05/03/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-05/06/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%percent below the maximum DTI per guidelines of 50% |  | order appraisal POD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 355346 | XXX | XXX D A C | Closed | FCOM1221 | 2025-05-16 09:12 | 2025-06-03 17:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Mortgage with Legal Description attached. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Open-Mortgage is missing the legal description. Mortgage in file reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 1, however, legal description is missing. Need full copy of Mortgage inclusive of legal description and any riders. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received Mortgage with Legal Description attached. - Due Diligence Vendor-06/03/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Mortgage.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 355346 | XXX | XXX D A C | Closed | FCRE4963 | 2025-05-20 14:26 | 2025-06-03 16:48 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received supporting documentation of line closure. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-Payoff statement provided for XXX xxXXX & XXX xx XXX does reflect payoff value. However, missing documentation to support HELOCs are closed to future advances and will be released when paid. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received supporting documentation of line closure. - Due Diligence Vendor-06/03/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX HELOC payoff.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 389006 | XXX | XXX D A C | Closed | FVAL9739 | 2025-06-04 12:34 | 2025-06-11 14:51 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser." - Due Diligence Vendor-06/04/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-06/11/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | appraisal AIR.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 389006 | XXX | XXX D A C | Closed | FSER1170 | 2025-06-04 12:22 | 2025-06-09 15:43 | Resolved | 1 - Information A | Servicing | Additional Information | Correspondent is not listed as the Loss Payee on the insurance policy(ies) | Resolved-Lender commentary received. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-XXX owns the first and will own the second lien after purchase from XXX so the Mortgagee Clause showing XXX only, should be acceptable. When loan has been released to XXX, XXX will updated the second mortgagee. - Seller-06/09/2025 <br> Open-This is 2nd lien loan and mortgagee clause is missing from provided HOI. - Due Diligence Vendor-06/04/2025 | Ready for Review-XXX owns the first and will own the second lien after purchase from XXX so the Mortgagee Clause showing XXX only, should be acceptable. When loan has been released to XXX, XXX will updated the second mortgagee. <br>- Seller-06/09/2025 | Resolved-Lender commentary received. - Due Diligence Vendor-06/09/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 389006 | XXX | XXX D A C | Closed | FCRE3464 | 2025-06-07 14:52 | 2025-06-09 12:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received VOE within 10 days of closing. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. XXX VVOE date 05/16 - Seller-06/09/2025 <br> Open-Missing copy of verbal VOE for borrower's employment with XXX. XXX provided reflects effective date of XXX and exceeds 10 days from Note date of XXX - Due Diligence Vendor-06/07/2025 | Ready for Review-Document Uploaded. XXX VVOE date XXX - Seller-06/09/2025 | Resolved-Received VOE within 10 days of closing. - Due Diligence Vendor-06/09/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | VVOE.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 388201 | XXX | XXX C A B | Closed | FCRE1636 | 2025-05-05 16:57 | 2025-05-14 13:52 | Resolved | 1 - Information C A | Credit | Data | Flood Cert is missing Life of Loan | Resolved-Flood cert dated XXX was pulled by the title company. XXX Flood certificate was pulled by Lender and includes Life of Loan Determination. - Due Diligence Vendor-05/14/2025 <br> Open-Flood Cert is missing Life of Loan Flood Cert dated XXX is missing Life of Loan determination. - Due Diligence Vendor-05/06/2025 |  | Resolved-Flood cert dated XXX was pulled by the title company. XXX Flood certificate was pulled by Lender and includes Life of Loan Determination. - Due Diligence Vendor-05/14/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 388201 | XXX | XXX C A B | Closed | FCOM9963 | 2025-05-02 11:04 | 2025-05-14 08:50 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Received Verification of Receipt of Appraisal. - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. - Seller-05/13/2025 <br>Open-Notice of Right to Receive Copy of Written Appraisal / Valuation is missing from the file. - Due Diligence Vendor-05/02/2025 | Ready for Review-Document Uploaded. - Seller-05/13/2025<br>| Resolved-Received Verification of Receipt of Appraisal. - Due Diligence Vendor-05/14/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | Appraisal disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 338886 | XXX | XXX D A C | Closed | FCRE7850 | 2025-05-30 12:10 | 2025-06-10 11:54 | Resolved | 1 - Information B A | Credit | Data | Appraisal Occupancy Variance | Resolved-Received revised appraisal report reflecting correct occupancy as Tenant. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. - Seller-06/10/2025 <br> Counter-Lender commentary received. Issue is on the original appraisal report - Loan purpose is an investment refinance, however occupancy noted on appraisal report is owner occupied. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-AVM states "occupied" as opposed to "vacant" it does not specify whether it is owner occupied or not. please remove. - Seller-06/09/2025 <br> Counter-Lender commentary received - Issue is on the original appraisal. Loan purpose is investment refinance, however occupancy noted on appraisal report is owner occupied. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Per the appraiser, there is not a spot on the desk review appraisals to check occupancy. Please remove condition - Seller-06/06/2025 <br> Open-Loan purpose is investment refinance, however occupancy noted on appraisal report is owner occupied. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/10/2025 <br>Ready for Review-AVM states "occupied" as opposed to "vacant" it does not specify whether it is owner occupied or not. please remove. - Seller-06/09/2025 <br>Ready for Review-Per the appraiser, there is not a spot on the desk review appraisals to check occupancy. Please remove condition - Seller-06/06/2025<br>| Resolved-Received revised appraisal report reflecting correct occupancy as Tenant. - Due Diligence Vendor-06/10/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_Revised.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 338886 | XXX | XXX D A C | Closed | FCRE8946 | 2025-05-30 13:04 | 2025-06-06 17:10 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation expiration dates | Resolved-Received updated bank statement-income re-calculated. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Open-Bank statement income is used to qualify the borrower. Per guidelines, Income Documentation cannot be dated more than 60 days from Note Date. Latest Bank Statement used to calculate qualifying Income is XXX. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Resolved-Received updated bank statement-income re-calculated. - Due Diligence Vendor-06/06/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Business bank stmt# XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 338886 | XXX | XXX D A C | Closed | FCOM8805 | 2025-05-30 12:59 | 2025-06-06 13:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Document Uploaded. - Seller-06/06/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/06/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-06/06/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Verbal Auth to pull credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 308610 | XXX | XXX B A | Closed | FCOM1329 | 2025-05-20 11:09 | 2025-06-03 17:31 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Open- - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-06/03/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | D22-XXX Anti-Steering-Disclosure (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 339763 | XXX | XXX C A | Closed | FVAL9739 | 2025-05-20 12:08 | 2025-05-23 15:38 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. - Seller-05/23/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-05/23/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-05/23/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | agreement_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 369351 | XXX | XXX C A | Closed | FPRO1137 | 2025-05-29 09:07 | 2025-06-04 11:21 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Received 2024 appraiser license evidencing appraiser was licensed at time of inspection. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Appraisers license reflects effective date of XXX and expiration of XXX however the appraisal effective date is XXX which appears the appraiser was not active at the time of the appraisal being completed. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Received 2024 appraiser license evidencing appraiser was licensed at time of inspection. - Due Diligence Vendor-06/04/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 369351 | XXX | XXX C A | Closed | FCRE1437 | 2025-06-03 15:26 | 2025-06-04 11:20 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received supporting documentation of percentage of ownership. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/04/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing percentage ownership specific to XXX(borrower) for XXX. CPA letter dated XXX states she is the CPA for XXX and their 100% owned LLC's. CPA further states that XXX is 100% owner of both XXX and XXX but does not indicate his personal ownership percentage of XXX Subject to re-calculation of debt ratio upon receipt.. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. - Seller-06/04/2025<br>| Resolved-Received supporting documentation of percentage of ownership. - Due Diligence Vendor-06/04/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX business entity ownership.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 308005 | XXX | XXX C A | Closed | FCRE6873 | 2025-06-05 10:41 | 2025-06-12 16:03 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Received Lender fraud certification. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. Please see attached Processor Cert - Seller-06/12/2025 <br> Open-There is a fraud victim alert listed on the credit report. It does not appear lender completed independent verification to confirm borrower's identity and to confirm that they were the ones who applied for credit. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Please see attached Processor Cert - Seller-06/12/2025<br>| Resolved-Received Lender fraud certification. - Due Diligence Vendor-06/12/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX ProcCert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 375452 | XXX | XXX D A | Closed | FCRE1254 | 2025-06-05 17:30 | 2025-06-17 09:14 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received supporting documentation for judgement affidavit - Affidavit was for previous owner reflecting not one in the same. - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. - Seller-06/16/2025 <br> Open-Property Title Issue Title reflects a judgement affidavit recorded on XXX on #2 schedule B-II-Exception page. Missing documentation to support item #2 has been paid/released as this can jeopardize the lien position. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/16/2025<br>| Resolved-Received supporting documentation for judgement affidavit - Affidavit was for previous owner reflecting not one in the same. - Due Diligence Vendor-06/17/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Judgment Aff (002).pdf<br> XXX property profile showing no additional liens or judgments.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 375452 | XXX | XXX D A | Closed | FCRE1363 | 2025-06-03 16:43 | 2025-06-11 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 WVOE Missing | Resolved-Received Lender LOX and legible WVOE supporting overtime income. - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. Please find U/W LOX along with supporting documentation - Seller-06/11/2025 <br>Open-Borrower 2 WVOE Missing Borrower 2 WVOE is provided however not clearly visible. Unable to calculate overtime income. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Please find U/W LOX along with supporting documentation - Seller-06/11/2025<br>| Resolved-Received Lender LOX and legible WVOE supporting overtime income. - Due Diligence Vendor-06/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX XXX LenderLOX.pdf<br> WVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 375452 | XXX | XXX D A | Closed | FCRE1324 | 2025-06-05 17:39 | 2025-06-11 10:12 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received signed XXX/XXX tax returns. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Open-Missing signed XXX & XXX tax returns. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025<br>| Resolved-Received signed XXX/XXX tax returns. - Due Diligence Vendor-06/11/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX signed.pdf<br> XXX-XXX-XXX Tax Return Documents (XXX XXX and XXX - Client Copy)IRS Accepted.pdf<br> 1040_XXX_XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 375452 | XXX | XXX D A | Closed | FCRE5782 | 2025-05-29 14:00 | 2025-06-10 09:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-06/10/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 | Missing GAP report as its required if Note date is greater than 30 days after the date of the credit report relied upon for underwriting. (credit report date is XXX) | SoftPull.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 375452 | XXX | XXX D A | Closed | FCRE1253 | 2025-06-03 16:47 | 2025-06-10 09:47 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Received tax cert. - Due Diligence Vendor-06/10/2025 <br>Ready for Review-Document Uploaded. - Seller-06/09/2025 <br>Open-Missing Property Tax Cert. Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. - Seller-06/09/2025<br>| Resolved-Received tax cert. - Due Diligence Vendor-06/10/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Taxes.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 327020 | XXX | XXX D A | Closed | FCRE1333 | 2025-05-29 15:53 | 2025-06-04 16:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Received Lender LOX and supporting documentation for bonus income. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-Borrower 1 WVOE Missing Borrower qualifying on base and bonus earnings. Missing written VOE to establish history of bonus earnings to determine eligibility. Lender worksheet shows bonus earnings in year XXX of $XXX however, not reflected on paystubs provided. Subject to re-calculation of DTI upon receipt. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received Lender LOX and supporting documentation for bonus income. - Due Diligence Vendor-06/04/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | Verbal VOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 327020 | XXX | XXX D A | Closed | FCOM8805 | 2025-05-29 16:55 | 2025-06-04 10:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-06/04/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX-verbal credit auth(2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 327020 | XXX | XXX D A | Closed | FCRE1145 | 2025-05-27 13:12 | 2025-06-04 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received title policy reflecting loan amount coverage, mortgagee and vesting. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Open-Title Document is missing Title document is partially provided. Copy of existing grantee name, existing mortgage and current taxes provided. Missing Proposed insured lender and loan amount, final vesting and encumbrance information. - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received title policy reflecting loan amount coverage, mortgagee and vesting. - Due Diligence Vendor-06/04/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX Residential Limited Coverage Junior Loan Policy (XXX)-IL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 327020 | XXX | XXX D A | Closed | FCOM1263 | 2025-05-27 15:45 | 2025-06-03 18:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Received Notice of Right to Cancel that reflects Cancel Date. - Due Diligence Vendor-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Open-Right of Rescission is Partially Provided Cancel Date is not provided on the Notice of Right to Cancel in file. - Due Diligence Vendor-05/27/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025<br>| Resolved-Received Notice of Right to Cancel that reflects Cancel Date. - Due Diligence Vendor-06/03/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | Right to Cancel.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 306941 | XXX | XXX C A | Closed | FCRE4805 | 2025-06-03 16:04 | 2025-06-04 13:38 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received confirmation from title company trust was approved. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. trust approval email - Seller-06/04/2025 <br>Counter-Received Trust Cert, however missing evidence Trust was approved by the title company. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. approved trust cert<br> - Seller-06/03/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements Missing evidence Trust Agreement/Trust Certificate was reviewed and approved by Title company, per guidelines. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. trust approval email - Seller-06/04/2025 <br>Ready for Review-Document Uploaded. approved trust cert<br> - Seller-06/03/2025<br>| Resolved-Received confirmation from title company trust was approved. - Due Diligence Vendor-06/04/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX Trust cert.pdf<br> XXX Trust Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 306941 | XXX | XXX C A | Closed | FCRE1148 | 2025-05-28 14:17 | 2025-06-04 13:08 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting title coverage and mortgagee. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. title sup attached - Seller-06/04/2025 <br> Counter-Received CPL, however insufficient to clear condition. Still missing Title Supplemental Report reflecting Mortgagee and Loan Amount Coverage. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. Please see the CPL attached. The CPL shows the max coverage amount and should be enough to clear the condition. - Seller-06/03/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing Title Supplemental Report reflecting Mortgagee and Loan Amount Coverage. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. title sup attached - Seller-06/04/2025 <br>Ready for Review-Document Uploaded. Please see the CPL attached. The CPL shows the max coverage amount and should be enough to clear the condition. - Seller-06/03/2025<br>| Resolved-Received title supplement reflecting title coverage and mortgagee. - Due Diligence Vendor-06/04/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX CPL.pdf<br> XXX title sup.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 306941 | XXX | XXX C A | Closed | FCRE1204 | 2025-05-30 14:04 | 2025-06-04 10:24 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received cleared fraud report reflecting explanations to address clearance of high alerts. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. corrected fraud report - Seller-06/03/2025 <br>Open-Fraud Report Shows Uncleared Alerts Missing documentation to support lender addressed the open high impact items reflected on the fraud report. - Due Diligence Vendor-05/30/2025 | Ready for Review-Document Uploaded. corrected fraud report - Seller-06/03/2025<br>| Resolved-Received cleared fraud report reflecting explanations to address clearance of high alerts. - Due Diligence Vendor-06/04/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX Fraud Guard (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 367443 | XXX | XXX D A | Closed | FCOM8805 | 2025-05-21 16:30 | 2025-05-28 09:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. - Seller-05/27/2025 <br> Open-Credit report dated XXX pulled XXX is dated prior to the borrower's authorization dated XXX Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/27/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-05/28/2025<br>| Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 0 months. |  | BORROWER AUTH.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 320860 | XXX | XXX D A | Closed | FCRE7347 | 2025-02-14 13:23 | 2025-02-21 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received supporting documentation of solar lease and included in DTI. - Due Diligence Vendor-02/21/2025 <br>Ready for Review-Document Uploaded. - Seller-02/21/2025 <br>Open-Missing copy of solar lease. Appraisal notes solar panels are leased. Subject to re-calculation of debt ratio upon receipt - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-Received supporting documentation of solar lease and included in DTI. - Due Diligence Vendor-02/21/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 65% |  | UW RESPONSE.pdf<br> 1008 XXX.pdf<br> Solar_PPA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 306993 | XXX | XXX D B A | Closed | FCOM1291 | 2025-04-17 18:49 | 2025-04-29 09:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Received Final CD from 1st lien purchase. - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/28/2025 <br>Open-Final HUD-1 Document is Missing Missing final CD/HUD/Settlement statement for the 1st lien purchase. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Received Final CD from 1st lien purchase. - Due Diligence Vendor-04/29/2025<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | MISCELLANEOUS (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 306993 | XXX | XXX D B A | Closed | FCRE5116 | 2025-04-17 15:13 | 2025-04-29 09:15 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing 12-month housing history; VOR from management company for both XXX & XXX. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/29/2025<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% | 1) XXX% LTV is less than 85% maximum.<br> 2) XXX months of Reserves is greater than minimum of 0. | RE_ XXX EXCEPTION REQUEST.pdf<br> XXX XXX EXCEPTION REQUEST.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | Originator Post-Close | Yes |
| XXX | 306993 | XXX | XXX D B A | Closed | FCOM8805 | 2025-04-17 15:05 | 2025-04-29 09:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-04/29/2025<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_XXX_borrower's authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 360896 | XXX | XXX D A C | Closed | FCRE1204 | 2025-05-07 14:17 | 2025-05-09 16:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received supporting documentation to address high alert items. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/09/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing documentation to support lender addressed high impact item for: Two or more parties in the transaction have similar names which may indicate non-arms length transactions (XXX; XXX). - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025<br>| Resolved-Received supporting documentation to address high alert items. - Due Diligence Vendor-05/09/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | UW RESPONSE RE HIGH ALERTS.pdf<br>FRAUD GUARD (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 360896 | XXX | XXX D A C | Closed | FCOM8807 | 2025-05-06 13:38 | 2025-05-09 15:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. - Seller-05/09/2025 <br>Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. - Seller-05/09/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-05/09/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | SureReceiptsCert-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 315988 | XXX | XXX D A | Closed | FCOM8805 | 2025-06-06 09:38 | 2025-06-12 09:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received Borrower Authorization. - Due Diligence Vendor-06/12/2025 <br> Ready for Review-Document Uploaded. - Seller-06/11/2025 <br> Open-Credit report dated XXX pulled by XXX. is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-06/11/2025<br>| Resolved-Received Borrower Authorization. - Due Diligence Vendor-06/12/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | borrowers authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 378971 | XXX | XXX C A | Closed | FVAL3825 | 2025-02-11 14:50 | 2025-02-18 10:37 | Resolved | 1 - Information C A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-Received Disaster Inspection reflecting no damage to subject property. - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. - Seller-02/14/2025 <br> Open-Subject property possibly located in Active fire area. As of XXX XXX issued state of emergency for subject county. Missing Disaster Inspection Report evidencing no damage from recent Disaster Declaration per guidelines. - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. - Seller-02/14/2025<br>| Resolved-Received Disaster Inspection reflecting no damage to subject property. - Due Diligence Vendor-02/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | 1004D disaster.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 378971 | XXX | XXX C A | Closed | FCRE1204 | 2025-02-11 14:13 | 2025-02-18 09:35 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Cleared Fraud report to address high alerts. - Due Diligence Vendor-02/18/2025 <br>Ready for Review-Document Uploaded. - Seller-02/14/2025 <br>Open-Fraud Report Shows Uncleared Alerts Missing documentation to support lender addressed the Two outstanding high impact items on the fraud report. - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. - Seller-02/14/2025<br>| Resolved-Received Cleared Fraud report to address high alerts. - Due Diligence Vendor-02/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | 1008 - UW COMMENTS RE HIGH ALERST ON FG.pdf<br>UPDATED FG.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 362259 | XXX | XXX D A | Closed | FCRE1441 | 2025-02-07 17:25 | 2025-02-19 16:25 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Received supporting documentation of hardship. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. - Seller-02/19/2025 <br> Counter-Received mortgage statement which reflects "Non-Interest-Bearing Principal Balance" of $XXX. Per guidelines, Loans in active forbearance or deferment unallowable, unless deferred balance due to a documented hardship and can may remain open. Without documented hardship, deferred amounts must be paid through closing. File is missing evidence of hardship or the deferred balance is paid through closing. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. The subject property's senior lien is XXX, which is not in deferred status. Statement attached. - Seller-02/11/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Senior Lien Mortgage Statement for XXX/XXX #XXX reflects loan is in deferred status. Per guidelines, Loans in active forbearance or deferment unallowable, unless deferred balance due to a documented hardship and can may remain open. Without documented hardship, deferred amounts must be paid through closing. File is missing evidence of hardship or the deferred balance is paid through closing. - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. - Seller-02/19/2025 <br> Ready for Review-Document Uploaded. The subject property's senior lien is XXX, which is not in deferred status. Statement attached.<br>- Seller-02/11/2025 | Resolved-Received supporting documentation of hardship. - Due Diligence Vendor-02/19/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX % calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX XXX-MORTGAGE STATEMENT XXX #XXX.pdf<br> UW RESPONSE.pdf<br> XXX.pdf<br> BK.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 362259 | XXX | XXX D A | Closed | FCRE1325 | 2025-02-07 17:15 | 2025-02-18 16:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received supporting documentation of continuous self employment. - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. - Seller-02/14/2025 <br> Counter-Received documentation, however insufficient to clear condition. Missing supporting document for evidence of 2-year continuous self-employment. Per guidelines, lender must document two years current continuous self-employment with business license or statement from corporate accountant/CPA confirming the same. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. per XXX UW - Third party documentation was in file and confirms business initiated in XXX to meet minimum 2 years self-employment. Operating agreement and most recent annual filing attached. - Seller-02/11/2025 <br> Open-Borrower 1 CPA Letter Missing Missing supporting document per guidelines for evidence of 2 year continuous self-employment. Per guidelines, lender must document two years current continuous self-employment with business license or statement from corporate accountant/CPA confirming the same. - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. - Seller-02/14/2025 <br> Ready for Review-Document Uploaded. per XXX UW - Third party documentation was in file and confirms business initiated in 2012 to meet minimum 2 years self-employment. Operating agreement and most recent annual filing attached. - Seller-02/11/2025 | Resolved-Received supporting documentation of continuous self employment. - Due Diligence Vendor-02/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX %calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX XXX-Operating Agreement XXX.pdf<br> XXX XXX-XXX Annual Filing.pdf<br> XXX XXX-XXX.pdf<br> UW RESPONSE RE BUSINESS LICENSE.pdf<br> Regular License - XXX - XXX.pdf<br> XXX - Regular License - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 362259 | XXX | XXX D A | Closed | FCRE1254 | 2025-02-07 17:05 | 2025-02-11 14:55 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received evidence from title company, item #7 will be removed on the final title policy. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. Email attached from title confirming no open tax lien, this is in process of being recorded and updated. - Seller-02/11/2025 <br>Open-Property Title Issue Missing evidence Schedule B, I, #7 is satisfied and removed from Title. - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. Email attached from title confirming no open tax lien, this is in process of being recorded and updated. - Seller-02/11/2025<br>| Resolved-Received evidence from title company, item #7 will be removed on the final title policy. - Due Diligence Vendor-02/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX %calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_email re tax lien.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 362259 | XXX | XXX D A | Closed | FCOM8807 | 2025-02-06 13:39 | 2025-02-11 13:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery form reflecting borrower downloaded Appraisal 12/12/2024. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. - Seller-02/11/2025 <br>Open-Missing Appraisal Acknowledgement - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. - Seller-02/11/2025<br>| Resolved-Received Certified Secure Electronic Delivery form reflecting borrower downloaded Appraisal 12/12/2024. - Due Diligence Vendor-02/11/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX %calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | SureReceiptsCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 331595 | XXX | XXX D A | Closed | FCRE5790 | 2025-02-18 14:10 | 2025-03-03 16:16 | Resolved | 1 - Information D A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM report dated after Note Date reflecting no new debt. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Counter-Lender LOX received, however insufficient to clear condition. Still missing gap credit report within 15 days of the note date. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. - Seller-02/27/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired; per lender guidelines Gap/UDM date needs to be within 15 days of the note date. Gap date is XXX & UDM date is XXX & note date is XXX. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025 <br>Ready for Review-Document Uploaded. - Seller-02/27/2025<br>| Resolved-Received UDM report dated after Note Date reflecting no new debt. - Due Diligence Vendor-03/03/2025<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | UW RESPONSE.pdf<br> UW LOE RE UDM.pdf<br> UDM REPORT XXX.pdf<br> UDM REPORT XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 331595 | XXX | XXX D A | Closed | FCRE1317 | 2025-02-20 11:19 | 2025-02-27 17:19 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received previous VOE's to evidence 24-month job history. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. - Seller-02/27/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing verbal verification of employment for XXX in order to verify 2 years employment history per guidelines. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. - Seller-02/27/2025<br>| Resolved-Received previous VOE's to evidence 24-month job history. - Due Diligence Vendor-02/27/2025<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | VOE - PREV.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 331595 | XXX | XXX D A | Closed | FCRE1440 | 2025-02-20 11:13 | 2025-02-24 16:13 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Guideline Clarification received - 12-month housing history is met. - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. Attached is the Investor email that was in the file. It clarifies housing history is met with VOM documentation in spouse's name. We have 12 months documentation from the non-reporting lender. - Seller-02/24/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements: Borrower is not on the mortgage statement or a party to the Note for the 1st & 2nd mortgage. Borrower does not have a repayment history and does not meet the 12 month housing history requirement. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Attached is the Investor email that was in the file. It clarifies housing history is met with VOM documentation in spouse's name. We have 12 months documentation from the non-reporting lender. - Seller-02/24/2025<br>| Resolved-Guideline Clarification received - 12-month housing history is met. - Due Diligence Vendor-02/24/2025<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | EMAIL FROM INVESTOR RE HOUSING HISTORY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 374062 | XXX | XXX C A | Closed | FCRE4963 | 2025-03-10 15:27 | 2025-03-20 15:20 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received remaining payoff statement which matches Final CD. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Counter-Received payoff statements for XXX and XXX. Received screenshot of additional payoff, however Payee is not reflected. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-Missing payoff statement for installment XXX #XXX, Deferred balance XXX #XXX and other liability XXX accommodation. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025 <br>Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Received remaining payoff statement which matches Final CD. - Due Diligence Vendor-03/20/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX_monthly_XXX.pdf<br> XXX STATEMENT.pdf<br> XXXSTATEMENT.pdf<br> INVOICE - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 310385 | XXX | XXX D A | Closed | FCOM1003 | 2025-03-04 14:30 | 2025-03-07 13:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Received Joint Tenancy with Survivorship Warranty Deed and confirmed Vesting. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Open-Missing Grant/Warranty Deed to confirm Vesting on Deed of Trust/Mortgage document in file. Title Report reflects Borrowers vested in Trust, however, Security Deed reflects Borrowers as individuals. Additional conditions may apply. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Received Joint Tenancy with Survivorship Warranty Deed and confirmed Vesting. - Due Diligence Vendor-03/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | GRANT-QUITCLAIM-INTERSPOUSAL DEED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 310385 | XXX | XXX D A | Closed | FCOM8807 | 2025-03-04 14:30 | 2025-03-07 13:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery reflecting Borrower downloaded Appraisal 01/31/2025. - Due Diligence Vendor-03/07/2025 <br>Ready for Review-Document Uploaded. - Seller-03/07/2025 <br>Open- - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Received Certified Secure Electronic Delivery reflecting Borrower downloaded Appraisal XXX. - Due Diligence Vendor-03/07/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | SureReceiptsCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 318543 | XXX | XXX C A | Closed | FCRE1159 | 2025-02-25 15:42 | 2025-02-28 15:36 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received HOI policy in effect at time of closing. - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. - Seller-02/28/2025 <br> Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX Missing copy of Current Hazard Insurance Policy in effect at time of closing, XXX. Subject transaction is a refinance, Renewal Policy submitted in file starting XXX. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. - Seller-02/28/2025<br>| Resolved-Received HOI policy in effect at time of closing. - Due Diligence Vendor-02/28/2025<br>| LTV is less than guideline maximum - XXX%% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | HAZARD INSURANCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 318543 | XXX | XXX C A | Closed | FCRE4963 | 2025-02-26 13:30 | 2025-02-27 17:42 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received Lender LOX - amount collected on Final CD is amount reflected on credit report. Account is less than 10 months remaining. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. - Seller-02/27/2025 <br> Open-Missing payoff statement from XXX for Installment Loan to support payoff amount reflected on final CD. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. - Seller-02/27/2025<br>| Resolved-Received Lender LOX - amount collected on Final CD is amount reflected on credit report. Account is less than 10 months remaining. - Due Diligence Vendor-02/27/2025<br>| LTV is less than guideline maximum - XXX%% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | UW RESPONSE RE DEBT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 341505 | XXX | XXX D A C | Closed | FCRE8611 | 2025-03-10 11:57 | 2025-03-18 16:22 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Lender LOX received supporting rental income calculations. - Due Diligence Vendor-03/18/2025 <br> Counter-Lender LOX received, however insufficient to clear condition. Missing evidence of receipt of most recent 2 months rent to meet XXX requirements due to lease amounts higher than Schedule E. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. - Seller-03/12/2025 <br> Open-Missing supporting documentation per XXX Guidelines to use Lease Agreements for Rental Income calculation on Subject Property, the lender must provide an explanation and justification in the loan file. Subject Property is listed on Schedule E of Tax Returns, however, lender used Lease Agreements to calculate net rental income (loss). Subject to recalculation of DTI. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-Lender LOX received supporting rental income calculations. - Due Diligence Vendor-03/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | UW RESPONSE RE RENTAL INCOME.pdf<br>UW RESPONSE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 341505 | XXX | XXX D A C | Closed | FCRE1148 | 2025-03-07 09:35 | 2025-03-17 15:17 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting Loan Amount and Mortgagee. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. - Seller-03/17/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing Title Supplemental Report evidencing loan amount coverage and Mortgagee. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-03/17/2025<br>| Resolved-Received title supplement reflecting Loan Amount and Mortgagee. - Due Diligence Vendor-03/17/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | UW RESPONSE.pdf<br> XXX FTP supplement 1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 341505 | XXX | XXX D A C | Closed | FCRE1159 | 2025-03-10 11:52 | 2025-03-17 09:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received supporting evidence of sufficient HOI coverage. - Due Diligence Vendor-03/17/2025 <br> Ready for Review-Document Uploaded. - Seller-03/14/2025 <br> Counter-Received Lender LOX, however insufficient to clear condition. Still missing evidence provided policies encompass all units as only XXX and XXX are referenced on the policies. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. - Seller-03/12/2025 <br> Open-Discrepancy in HOI Policy for units XXX & XXX. 2 different policies submitted for specific units from 2 different Insurance Companies. Cannot determine final hazard insurance policy for XXX & XXX. In addition, both polices are not effective until after the Note Date with no current policy submitted for a refinance transaction. Subject to recalculation of DTI once confirmation is received. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. - Seller-03/14/2025 <br>Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-Received supporting evidence of sufficient HOI coverage. - Due Diligence Vendor-03/17/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | UW RESPONSE RE HOI POLICY.pdf<br>HAZARD INSURANCE BEFORE FUNDING (26).pdf<br>HAZARD INSURANCE AT DOCS (75).pdf<br>GRANT-QUITCLAIM-INTERSPOUSAL DEED.pdf<br>COST ESTIMATOR FOR HAZARD INSURANCE (13).pdf<br>UW RESPONSE - RE INSURANCE.pdf<br>COST ESTIMATOR FOR HAZARD INSURANCE (14).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 341505 | XXX | XXX D A C | Closed | FCOM1003 | 2025-03-07 11:03 | 2025-03-12 11:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Received Grant Deed and Confirmed Vesting. - Due Diligence Vendor-03/12/2025 <br>Ready for Review-Document Uploaded. - Seller-03/12/2025 <br>Open-Missing Quit Claim/Grant Deed updating vesting and removing from Trust. - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-Received Grant Deed and Confirmed Vesting. - Due Diligence Vendor-03/12/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | GRANT-QUITCLAIM-INTERSPOUSAL DEED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 328294 | XXX | XXX A | Closed | FSER1116 | 2025-02-21 11:25 | 2025-02-27 17:19 | Resolved | 1 - Information A | Servicing | Additional Information | Title Insurance coverage is insufficient. Must provide policy with coverage equal to or greater than loan amount | Resolved-Received final title policy reflecting title coverage and mortgagee. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. - Seller-02/27/2025 <br>Open-Missing Title Supplemental Report evidencing loan amount coverage and mortgagee. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-02/27/2025<br>| Resolved-Received final title policy reflecting title coverage and mortgagee. - Due Diligence Vendor-02/27/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX Final title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 309900 | XXX | XXX D A | Closed | FCRE1365 | 2025-03-04 15:07 | 2025-03-25 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Received XXX W2 transcript for co-borrower. - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. - Seller-03/25/2025 <br> Open-Borrower 2 IRS Transcripts Missing Missing IRS W2 transcript for co-borrower. Documentation provided shows lender required to obtain borrower's written permission through IRS, however, only the 4505-C IRS rejection notice was provided. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025<br>| Resolved-Received XXX W2 transcript for co-borrower. - Due Diligence Vendor-03/25/2025 | LTV is less than guideline maximum - XXX%CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | Internal Revenue Service W2 Transcripts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 309900 | XXX | XXX D A | Closed | FCRE8611 | 2025-03-04 17:18 | 2025-03-21 11:43 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Lender commentary received - Lender agrees with TPR calculation. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-XXX UW agrees with your income calculation. - Seller-03/21/2025 <br> Counter-Received lender income calculation worksheets. Re-calculated business earnings resulting in re-calculated DTI of XXX% versus lender calculated DTI of XXX%. Business earnings in XXX XXX statement ending XXX reflect ineligible $XXX deposit, however, lender entered as a $XXX deposit on lender worksheet. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Open-Recalculated debt ratio of XXX% exceeds lender calculated debt ratio of XX% due to re-calculation of borrower's self-employment earnings with XXX. Lender used deposits from two separate bank accounts (XXX #XXX and XXX #XXX) and the income worksheet does not break out the individual qualifying deposits. Unable to determine eligibility of combined deposits. Subject to re-calculation of debt ratio upon receipt; additional condition may apply. - Due Diligence Vendor-03/04/2025 | Ready for Review-XXX UW agrees with your income calculation. - Seller-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 | Resolved-Lender commentary received - Lender agrees with TPR calculation. - Due Diligence Vendor-03/21/2025<br>| LTV is less than guideline maximum - XXX%CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | XXX XXX Income Calculation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 309900 | XXX | XXX D A | Closed | FSER1214 | 2025-03-04 15:10 | 2025-03-07 14:36 | Resolved | 1 - Information A | Servicing | Additional Information | Final URLA is not signed by all Borrowers | Resolved-Received final URLA signed by co-borrower. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Open-Missing signature on final URLA dated XXX from Co-Borrower. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Received final URLA signed by co-borrower. - Due Diligence Vendor-03/07/2025<br>| LTV is less than guideline maximum - XXX%CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | FINAL 1003 - ALL PAGES.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 309900 | XXX | XXX D A | Closed | FCOM8805 | 2025-03-04 19:53 | 2025-03-07 14:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-03/07/2025<br>| LTV is less than guideline maximum - XXX%CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | BORROWER'S CERTIFICATION, AUTHORIZATION AND CONSENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 309900 | XXX | XXX D A | Closed | FCOM8807 | 2025-03-03 13:00 | 2025-03-07 13:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery reflecting Borrower downloaded Appraisal XXX. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Open- - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Received Certified Secure Electronic Delivery reflecting Borrower downloaded Appraisal XXX. - Due Diligence Vendor-03/07/2025 | LTV is less than guideline maximum - XXX%CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | APPRAISAL DELIVERY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 376863 | XXX | XXX D A | Closed | FCRE9814 | 2025-02-24 12:06 | 2025-02-27 17:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received evidence of trust approval by the title company. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. - Seller-02/27/2025 <br>Open-Recorded trust certificate in file is not sufficient; Per lender guidelines provide copy of Trust Agreement or Trust Certificate (where allowed by law) reviewed and approved by Title company. Title must not contain any title exceptions and offer full title protection without exception to the trust. - Due Diligence Vendor-02/24/2025 | Ready for Review-Document Uploaded. - Seller-02/27/2025<br>| Resolved-Received evidence of trust approval by the title company. - Due Diligence Vendor-02/27/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX%% LTV is XXX% less than maximum LTV per guidelines 85% |  | TRUST APPROVED_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 376863 | XXX | XXX D A | Closed | FCRE7497 | 2025-02-21 15:59 | 2025-02-27 17:28 | 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 no HOA Dues for property located at XXX. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. No HOA dues for XXX. Attached proof that property type is not a condo or PUD. - Seller-02/27/2025 <br> Open-Missing verification HOA fees for non-subject property 2nd home located at XXX. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. No HOA dues for XXX. Attached proof that property type is not a condo or PUD.<br>- Seller-02/27/2025 | Resolved-Received evidence of no HOA Dues for property located at XXX. - Due Diligence Vendor-02/27/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX%% LTV is XXX% less than maximum LTV per guidelines 85% |  | Property Profile XXX.pdf<br> XXX- Google Search.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 351869 | XXX | XXX D A C | Closed | FCRE6873 | 2025-02-18 14:22 | 2025-02-24 16:09 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Lender LOX received evidencing no active fraud alert present on credit report. - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. - Seller-02/21/2025 <br>Open-Fraud alert is present on the credit report and missing evidence borrowers are obtaining a mortgage loan with lender. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-Lender LOX received evidencing no active fraud alert present on credit report. - Due Diligence Vendor-02/24/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | UW RESPONSE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 351869 | XXX | XXX D A C | Closed | FCOM8807 | 2025-02-14 10:26 | 2025-02-24 08:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic delivery form reflecting borrower downloaded Appraisal XXX. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. - Seller-02/21/2025 <br> Open-Missing Appraisal Acknowledgement - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-Received Certified Secure Electronic delivery form reflecting borrower downloaded Appraisal XXX. - Due Diligence Vendor-02/24/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | SureReceiptsCert-XXX-XXX.pdf<br> SureReceiptsCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 341389 | XXX | XXX D A C | Closed | FCOM8807 | 2025-02-13 12:13 | 2025-02-21 14:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic delivery form reflecting borrower downloaded Appraisal XXX. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. - Seller-02/21/2025 <br> Open-Acknowledgment of Receipt of Appraisal Report is missing. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-Received Certified Secure Electronic delivery form reflecting borrower downloaded Appraisal XXX. - Due Diligence Vendor-02/21/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | SureReceiptsCert-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 341389 | XXX | XXX D A C | Closed | FCRE1148 | 2025-02-13 10:42 | 2025-02-19 16:29 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting title coverage and mortgagee. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. - Seller-02/19/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplemental report to evidence loan amount coverage and mortgagee. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. - Seller-02/19/2025<br>| Resolved-Received final title policy reflecting title coverage and mortgagee. - Due Diligence Vendor-02/19/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | final title policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 362701 | XXX | XXX D A C | Closed | FCRE1204 | 2025-03-21 12:49 | 2025-03-24 16:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received cleared fraud report and 1008 addressing high alert items. - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. - Seller-03/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts Missing documentation to support lender addressed the open high impact alert items on the fraud report. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-03/24/2025<br>| Resolved-Received cleared fraud report and 1008 addressing high alert items. - Due Diligence Vendor-03/24/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80.00% |  | FRAUD GUARD (1).pdf<br>1008 with UW commentary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 362701 | XXX | XXX D A C | Closed | FCOM8807 | 2025-03-21 12:20 | 2025-03-24 16:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic delivery form reflecting borrower downloaded Appraisal 03/06/2025. - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. - Seller-03/24/2025 <br>Open- - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. - Seller-03/24/2025<br>| Resolved-Received Certified Secure Electronic delivery form reflecting borrower downloaded Appraisal XXX. - Due Diligence Vendor-03/24/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80.00% |  | SureReceiptsCert-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 310878 | XXX | XXX D A | Closed | FCRE2109 | 2025-03-28 18:02 | 2025-04-07 16:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received Lender income calculation worksheet. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open-Missing lender rental income calculation worksheet. - Due Diligence Vendor-04/02/2025 <br>Open- - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Received Lender income calculation worksheet. - Due Diligence Vendor-04/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | RENTAL INCOME- XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 392331 | XXX | XXX D A C | Closed | FCRE1441 | 2025-04-03 13:11 | 2025-04-17 13:38 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Received supporting documentation account will be removed from credit as it was not the borrowers. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Missing documentation to support borrower's repayment of XXX XXX. Credit Report reflects Charge-Off Account and per guidelines, charge off items must be paid when balance exceeds $XXX. Attorney Letter received, however, credit report reflects previously in dispute, now resolved with a balance of $XXX and payment of $XXX. Missing evidence of monthly payments due, otherwise the full balance to must be paid per guidelines. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Received supporting documentation account will be removed from credit as it was not the borrowers. - Due Diligence Vendor-04/17/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | UW RESPONSE RE XXX.pdf<br> CHARGE OFF XXX ACCT LETTER.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 392331 | XXX | XXX D A C | Closed | FCOM3075 | 2025-04-16 11:27 | 2025-04-17 09:56 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing US Patriot Act Information Form | Resolved-Received Renewed Driver's License that matches Customer Identification Verification. - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Open-Missing Signed USA Patriot Act Information Form with Customer Identification Verification Patriot Act verification does not match the provided Driver's License. Copy of Driver License provided is expired. Missing documentation to support borrower's Drivers License is active. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Received Renewed Driver's License that matches Customer Identification Verification. - Due Diligence Vendor-04/17/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | RENEWAL OF DL.XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 392331 | XXX | XXX D A C | Closed | FCOM8807 | 2025-04-03 16:07 | 2025-04-17 09:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery Receipt for Appraisal Report. - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Open- - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Received Certified Secure Electronic Delivery Receipt for Appraisal Report. - Due Diligence Vendor-04/17/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | SureReceiptsCert-XXX-XXX.pdf<br> SureReceiptsCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 358856 | XXX | XXX D B C A | Closed | FCRE1441 | 2025-03-25 16:23 | 2025-04-28 14:52 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. Please see attached email approval from XXX. Additionally, the previous documents provided should be enough to clear that it's current. <br> - Seller-04/28/2025 <br> Counter-Received Lender internal exception waiver, however missing investor approval. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Counter-Received borrower LOX and evidence of 4 months payments, however insufficient to clear condition as bank statements do not reflect account ownership. Additionally, missing terms of account with XXX to verify Due Date and Payment Amount. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Per GAP Report dated XXX, XXX Acct #XXX is not current and is 30 days late. Per guidelines, all tradelines must be current at time of closing. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Please see attached email approval from XXX. Additionally, the previous documents provided should be enough to clear that it's current. <br>- Seller-04/28/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 | Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-04/28/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. | 1) XXX FICO is greater than 720 minimum. | XXX XXX.pdf<br> XXX XXX.pdf<br> XXX XXX.pdf<br> XXX XXX.pdf<br> XXX.pdf<br> XXX EXCEPTION.pdf<br> RE_ XXX XXX - Exception Request - XXX - Outlook.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| XXX | 358856 | XXX | XXX D B C A | Closed | FCOM8807 | 2025-03-24 12:58 | 2025-03-28 09:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Delivery form reflecting Borrower downloaded Appraisal 02/17/2025. - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. - Seller-03/27/2025 <br>Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-Received Certified Secure Delivery form reflecting Borrower downloaded Appraisal XXX. - Due Diligence Vendor-03/28/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | APPRAISAL ACKNOWLEDGEMENT RECEIPT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 358856 | XXX | XXX D B C A | Closed | FCOM1252 | 2025-03-24 12:38 | 2025-03-28 09:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received Initial Loan Estimate dated XXX. Compliance Testing revealed no adverse findings. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <br> Open-It appears we may be missing the Initial Loan Estimate. The earliest Loan Estimate in file is dated XXX, however, the Intent to Proceed is eSigned XXX which results in the below regulation violation as the Intent to Proceed should never be acknowledged before receipt of Initial Loan Estimate.<br> The date the consumer indicated an intent to proceed with a transaction (XXX) is before the date the consumer received the Loan Estimate (XXX). A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under Regulation Z, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (12 CFR 1026.19(e)(2)(i)(A)) - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-Received Initial Loan Estimate dated XXX. Compliance Testing revealed no adverse findings. - Due Diligence Vendor-03/28/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | INITIAL LE XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 303094 | XXX | XXX D A C | Closed | FCOM8807 | 2025-04-08 11:30 | 2025-04-11 15:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Electronic Delivery Receipt for Appraisal. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open- - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Received Electronic Delivery Receipt for Appraisal. - Due Diligence Vendor-04/11/2025<br>| LTV is less than guideline maximum - XXX%C LTV is XXX% less than maximum CLTV per guidelines 85.00%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | SureReceiptsCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 303094 | XXX | XXX D A C | Closed | FCOM1000 | 2025-04-08 11:34 | 2025-04-11 15:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Electronic Consent / eSign Form is Missing | Resolved-Received eSign Disclosure and Consent. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-Missing Electronic Consent/eSign Form completed prior to earliest eSign event for Borrower XXX. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Received eSign Disclosure and Consent. - Due Diligence Vendor-04/11/2025<br>| LTV is less than guideline maximum - XXX%C LTV is XXX% less than maximum CLTV per guidelines 85.00%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | E-SIGN DISCLOSURE AND CONSENT ESIGNED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 303094 | XXX | XXX D A C | Closed | FCRE8611 | 2025-04-08 17:49 | 2025-04-11 14:59 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received supporting documentation of business ownership. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-Missing documentation to support ownership of business entity: XXX. Rental income was considered based on LLC ownership of the following properties: (1) XXX; (2) XXX; (3) XXX; (4) XXX. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Received supporting documentation of business ownership. - Due Diligence Vendor-04/11/2025<br>| LTV is less than guideline maximum - XXX%C LTV is XXX% less than maximum CLTV per guidelines 85.00%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | UW RESPONSE.pdf<br> XXX OPERATING AGREEMENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 303094 | XXX | XXX D A C | Closed | FCRE1204 | 2025-04-08 16:41 | 2025-04-11 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Cleared fraud report and supporting explanations for clearance of high alert items. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-Fraud Report Shows Uncleared Alerts Missing documentation to support the lender addressed the high risk items reflected on the fraud report. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Received Cleared fraud report and supporting explanations for clearance of high alert items. - Due Diligence Vendor-04/11/2025<br>| LTV is less than guideline maximum - XXX%C LTV is XXX% less than maximum CLTV per guidelines 85.00%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Revised 1008 with UW commentary.pdf<br>FRAUD GUARD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 306308 | XXX | XXX D A | Closed | FCRE3091 | 2025-03-26 11:13 | 2025-04-01 21:10 | Resolved | 1 - Information C A | Credit | Insurance | HO6 or Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Received updated policy. - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. - Seller-04/01/2025 <br> Open-Master Policy Expiration Date of XXX is Prior To the Transaction Date of XXX Missing updated master policy, one in file expired XXX. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Received updated policy. - Due Diligence Vendor-04/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | EOI Master XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 306308 | XXX | XXX D A | Closed | FCRE4963 | 2025-03-27 12:06 | 2025-04-01 21:04 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received payoff statement. - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. - Seller-04/01/2025 <br> Open-Missing payoff letter for XXX #XXX $XXX. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Received payoff statement. - Due Diligence Vendor-04/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | PAYOFF STATEMENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 306308 | XXX | XXX D A | Closed | FCRE2109 | 2025-03-25 23:02 | 2025-04-01 21:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received. - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Open- - Due Diligence Vendor-03/26/2025 <br>Open- - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Received. - Due Diligence Vendor-04/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX - income calculation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 306308 | XXX | XXX D A | Closed | FCOM8807 | 2025-03-26 13:51 | 2025-04-01 16:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received XXX that reflects Borrower received Appraisal Report on XXX. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-04/01/2025 <br> Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Received SureReceipt that reflects Borrower received Appraisal Report on XXX. - Due Diligence Vendor-04/01/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | SureReceiptsCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 360737 | XXX | XXX D A C | Closed | FCRE8611 | 2025-04-21 19:32 | 2025-04-24 17:00 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-received updated 1008 and lender explanation. 20% expense factor applied - earnings recalculated. Resolved. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-Re-calculated XXX% debt ratio is greater than lenders calculated XXX% debt ratio. Loan qualified under P&L only program. Minimum expense ration for service based business is 20%. Profit and Loss provided supports an expense ration of XXX%. Re-calculated earnings using 20% expense ratio results in Net monthly earnings of $XXX. Total debt $XXX ($XXX combined PITIA) + consumer $XXX + combined REO losses $XXX) vs $XXX (earnings) = XXX% DTI. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-received updated 1008 and lender explanation. 20% expense factor applied - earnings recalculated. Resolved. - Due Diligence Vendor-04/24/2025<br>|  |  | UW RESPONSE -.pdf<br> INCOME WORKSHEET XXX.pdf<br> 1008 XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 360737 | XXX | XXX D A C | Closed | FCOM8807 | 2025-04-10 11:17 | 2025-04-23 17:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery Receipt of Appraisal/Valuation Report. - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. - Seller-04/23/2025 <br>Open-Missing Appraisal Acknowledgement from file. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Received Certified Secure Electronic Delivery Receipt of Appraisal/Valuation Report. - Due Diligence Vendor-04/23/2025<br>|  |  | SureReceiptsCert-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 316946 | XXX | XXX C B A | Closed | FCRE8611 | 2025-05-17 11:11 | 2025-06-04 14:22 | Acknowledged | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-06/04/2025 <br>Counter-Received lenders internal exception waiver form, however missing investor approval. - Due Diligence Vendor-06/04/2025 <br>Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Counter-Lender LOX received, however insufficient to clear condition as Section 8.8.2 of guidelines reflects Construction as a Product Business. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. - Seller-05/21/2025 <br>Open-Per guidelines, 40% Expense Factor is to be used for a Product Business. Borrower's Business is a Construction Business which is in the parameters of a Product Business per guidelines. Lender calculated Income with a 20% Exepnse Factor. Missing supporting documentation a 20% Expense Factor is allowable for a Product Business. - Due Diligence Vendor-05/17/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-05/21/2025<br>| Acknowledged-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-06/04/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 | 1) XXX FICO is greater than 720 minimum<br> 2) S/E for XXX years | UW RESPONSE.pdf<br> EXCEPTION FORM.pdf<br> XXX Email - XXX_Expense Factor.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 316946 | XXX | XXX C B A | Closed | FCRE1193 | 2025-05-17 11:07 | 2025-06-04 14:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-06/04/2025 <br> Counter-Received lenders internal exception waiver form, however missing investor approval. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. - Seller-06/03/2025 <br> Counter-Lender LOX received, however insufficient to clear condition as Section 8.8.2 of guidelines reflects Construction as a Product Business. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Open-Audited DTI of XXX% exceeds Guideline DTI of 50% Due P&L Income inaccurately calculated. Per guidelines, 40% Expense Factor is to be used for a Product Business. Borrower's Business is a Construction Business which is in the parameters of a Product Business per guidelines. - Due Diligence Vendor-05/17/2025 | Ready for Review-Document Uploaded. - Seller-06/03/2025 <br>Ready for Review-Document Uploaded. - Seller-05/21/2025<br>| Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/04/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | UW RESPONSE.pdf<br> EXCEPTION FORM.pdf<br> XXX Email - XXX_Expense Factor.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 316946 | XXX | XXX C B A | Closed | FCRE1148 | 2025-05-13 16:12 | 2025-05-21 12:01 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting correct title coverage and Mortgagee. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing Title Supplemental report reflecting Loan Amount Coverage of $XXX and Mortgagee listed. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. - Seller-05/21/2025<br>| Resolved-Received final title policy reflecting correct title coverage and Mortgagee. - Due Diligence Vendor-05/21/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX final title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 366910 | XXX | XXX D A | Closed | FCRE1158 | 2025-05-09 11:41 | 2025-05-13 17:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI reflecting 2nd Mortgagee. - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. - Seller-05/13/2025 <br>Open-Missing 2nd Mortgagee information on the HOI Provided, this is 2nd lien loan. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. - Seller-05/13/2025<br>| Resolved-Received HOI reflecting 2nd Mortgagee. - Due Diligence Vendor-05/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | UPDATED EOI AT FUNDING.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 331688 | XXX | XXX D A | Closed | FCOM8807 | 2025-04-23 11:16 | 2025-04-28 12:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. - Seller-04/28/2025 <br>Open- - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-04/28/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | SureReceiptsCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 363968 | XXX | XXX C A B | Closed | FCRE1499 | 2025-03-28 11:53 | 2025-04-04 13:49 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $XXX is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-04/04/2025 <br> Resolved-Cash Out can now be used for required reserves for OPEN XXX accounts. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Counter-Received confirmation from XXX stating cash proceeds are not eligible for reserves to cover open XXX balances. Confirmation of borrower assets are required. - Due Diligence Vendor-04/02/2025 <br> Ready for Review-per XXX UW: XXX CES guides do not state cash out proceeds cannot be used to meet reserves for the XXX account. Can we have a copy of the CES guideline that states this?<br> Thanks XXX Underwriter (Agency/Jumbo/Non-QM)XXX - Seller-04/01/2025 <br> Open-Total Qualified Assets for Reserves Post-Close of $-XXX is less than Total Required Reserve Amount of $0 Missing Asset Statement for $XXX reserves required for 30 Day Open XXX Acct #XXX. Per XXX, Cash Out proceeds cannot be used for reserves. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/04/2025 <br> Ready for Review-per XXX UW: XXX CES guides do not state cash out proceeds cannot be used to meet reserves for the XXX account. Can we have a copy of the CES guideline that states this?<br> Thanks XXX Underwriter (Agency/Jumbo/Non-QM)XXX - Seller-04/01/2025 | Resolved-Total Qualified Assets for Reserves Post-Close of $XXX is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-04/04/2025 <br> Resolved-Cash Out can now be used for required reserves for OPEN XXX accounts. - Due Diligence Vendor-04/04/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | UW RESPONSE.pdf<br> XXX XXX_1008 with XXX in DTI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 363968 | XXX | XXX C A B | Closed | FCOM9963 | 2025-03-25 12:02 | 2025-03-31 11:29 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Received Notice to Applicant of Right to Receive Copy of Appraisal Report. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Open-Missing Notice of Right to Receive Copy of Written Appraisal. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Received Notice to Applicant of Right to Receive Copy of Appraisal Report. - Due Diligence Vendor-03/31/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | NOTICE TO APPLICANT OF RIGHT TO RECEIVE COPY OF APPRAISAL REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 306543 | XXX | XXX C A | Closed | FCRE1440 | 2025-04-02 22:56 | 2025-04-07 16:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 1st lien note for property located at XXX. - Due Diligence Vendor-04/07/2025 <br> Ready for Review-Document Uploaded. - Seller-04/07/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing copy of Note / mortgage statement for new loan with XXX/XXX/XXX in the amount of $XXX for property at XXX. Tax and Hazard documentation provided only. Unable to confirm lender's value of $XXX. Subject to re-qualification of debt ratio upon receipt. - Due Diligence Vendor-04/05/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Received 1st lien note for property located at XXX. - Due Diligence Vendor-04/07/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 45.00% |  | NOTE FOR XXX PROPERTY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 306543 | XXX | XXX C A | Closed | FCRE1648 | 2025-04-02 22:35 | 2025-04-07 16:10 | Resolved | 1 - Information C A | Credit | Eligibility | Missing copy of senior lien Note or Mortgage statement to determine senior lien eligibility | Resolved-Received 1st lien note for subject property. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open-Missing copy of senior lien Note or Mortgage statement to determine senior lien eligibility Mortgage statement provided reflects interest only payment. Missing Note to determine senior lien qualifying payment. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-04/05/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Received 1st lien note for subject property. - Due Diligence Vendor-04/07/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 45.00% |  | XXX XXX NOTE -.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 345454 | XXX | XXX D A | Closed | FCRE1342 | 2025-04-07 15:36 | 2025-06-12 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/12/2025 <br> Resolved-Received XXX bank statement for XXX - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-Missing the XXX statement for business of XXX - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/12/2025 <br> Resolved-Received XXX bank statement for XXX - Due Diligence Vendor-04/14/2025 | Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 50 |  | BUSINESS BANK STATEMENTS XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 345454 | XXX | XXX D A | Closed | FCOM1262 | 2025-04-03 12:02 | 2025-04-28 08:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved- - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-Right of Rescission is Missing The Notice of Right to Cancel was not completed properly. Property held in Trust, however, Right of Rescission was signed by borrower as Individual only and not executed as Trustee. Need re-opened rescission extended to Trustee, with rescission period beginning on date of receipt. The rescission period is to be three business days (not including Sundays or Federal holidays), and proof of receipt is to also be provided. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>|  | Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 50 | Received Notice of Right to Cancel signed by Borrower as both Individual and Trustee. | EMAIL RE NRTC.pdf<br> LOE TO BORROWER.pdf<br> NEW NRTC.pdf<br> EMAIL FROM BROKER WITH SIGNED NRTC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 345454 | XXX | XXX D A | Closed | FVAL8506 | 2025-04-07 15:37 | 2025-04-24 16:25 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Private Road Maintenance Agreement | Resolved-Private Road maintained by HOA per appraisal. - Due Diligence Vendor-04/24/2025 <br>Open-Missing Private Road Maintenance Agreement. - Due Diligence Vendor-04/07/2025 |  | Resolved-Private Road maintained by HOA per appraisal. - Due Diligence Vendor-04/24/2025<br>| Qualifying DTI below max allowed. - XXX calculated DTI is XXX percent below the maximum DTI per guidelines of 50 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 321841 | XXX | XXX D A | Closed | FCRE1333 | 2025-04-28 19:10 | 2025-05-02 16:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Received Lender LOX - income supported. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/02/2025 <br> Counter-Received Lender LOX, however insufficient to clear condition as guidelines point to XXX for variable hours/earnings in which a WVOE is required. DTI is XXX% currently. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Per paystub borrower hours are variable. Missing VOE to support average weekly hours worked. Paystubs provided show range from 31 to 39 hours. Unable to support prior year average (from W2) without VOE documentation. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Received Lender LOX - income supported. - Due Diligence Vendor-05/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | UW RESPONSE.pdf<br> XXX Email.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 321841 | XXX | XXX D A | Closed | FCRE7497 | 2025-04-28 12:50 | 2025-05-02 13:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting evidence of PITIA for non-subject property XXX. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. - Seller-05/02/2025 <br> Counter-Received Final CD and HOI for non-subject property "XXX. Missing evidence of tax calculation as Final CD is insufficient to support tax amount. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Missing verification of taxes, or HOA fees if any for non-subject property "XXX". Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Received supporting evidence of PITIA for non-subject property XXX. - Due Diligence Vendor-05/02/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | 1008 FOR XXX.pdf<br> HOI-XXX.pdf<br> FINAL CD - XXX.pdf<br> TAX - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 321841 | XXX | XXX D A | Closed | FCRE1158 | 2025-04-28 19:41 | 2025-04-30 16:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received XXX Fair Plan policy. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Missing copy of final XXX Fair Plan coverage. Closing disclosures provided reflect two different premium amounts of $XXX and $XXX. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Received XXX Fair Plan policy. - Due Diligence Vendor-04/30/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | HAZARD INSURANCE AT DOCS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 321841 | XXX | XXX D A | Closed | FCRE4805 | 2025-04-28 19:50 | 2025-04-30 15:30 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received title company confirmation of trust review and approval. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-Copy of the The XXX Trust, dated XXX was provided however, missing evidence the trust was reviewed and approved by the title company (per guideline and title item #12) - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Received title company confirmation of trust review and approval. - Due Diligence Vendor-04/30/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | TITLE APPROVAL OF TRUST.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 378039 | XXX | XXX D A | Closed | FCRE1158 | 2025-04-15 10:53 | 2025-04-16 11:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI policy in effect at time of closing. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/15/2025 <br> Open-Missing hazard insurance reflecting subject property of XXX Hazard insurance policy in file reflects XXX. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-Received HOI policy in effect at time of closing. - Due Diligence Vendor-04/16/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%. |  | HAZARD INSURANCE BEFORE FUNDING.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 386333 | XXX | XXX D A | Closed | FCOM8807 | 2025-04-29 11:32 | 2025-05-09 14:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. hi I uploaded the wrong doc previously. attached is the proof of appraisal delivery of the original appraisal. - Seller-05/09/2025 <br> Counter-Received Appraisal dated XXX, however, need Acknowledgement of Receipt of Appraisal Report. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. Appraiser has noted 'owned solar' in addendum- per borrower LOE. see attached revised appraisal - Seller-05/08/2025 <br> Open- - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. hi I uploaded the wrong doc previously. attached is the proof of appraisal delivery of the original appraisal. - Seller-05/09/2025 <br>Ready for Review-Document Uploaded. Appraiser has noted 'owned solar' in addendum- per borrower LOE. see attached revised appraisal - Seller-05/08/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-05/09/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX-Revised appraisl with comment on solar.pdf<br> XXX_XXX_proof of appraisal delivery.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 386333 | XXX | XXX D A | Closed | FCRE7347 | 2025-05-01 13:00 | 2025-05-09 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received revised appraisal report reflecting solar panels are owned. No solar liens on title or credit report. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. Appraiser has noted 'owned solar' in addendum- per borrower LOE. see attached revised appraisal - Seller-05/08/2025 <br>Open-Missing solar purchase/lease agreement as per appraisal borrower has solar panels. Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. Appraiser has noted 'owned solar' in addendum- per borrower LOE. see attached revised appraisal - Seller-05/08/2025<br>| Resolved-Received revised appraisal report reflecting solar panels are owned. No solar liens on title or credit report. - Due Diligence Vendor-05/09/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX-Revised appraisl with comment on solar.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 386333 | XXX | XXX D A | Closed | FCRE4805 | 2025-05-01 12:19 | 2025-05-09 09:04 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received confirmation of trust approval from title company. - Due Diligence Vendor-05/09/2025 <br>Ready for Review-Document Uploaded. - Seller-05/08/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements Missing Trust approval from title company. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/08/2025<br>| Resolved-Received confirmation of trust approval from title company. - Due Diligence Vendor-05/09/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | EMAIL APPROVAL FROM TITLE RE TRUST.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 324752 | XXX | XXX D A | Closed | FCRE1325 | 2025-05-16 15:51 | 2025-05-20 16:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Lender LOX for evidence of ownership interest. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. - Seller-05/20/2025 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter for XXX. Copies provided are for XXX and XXX only. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-Received Lender LOX for evidence of ownership interest. - Due Diligence Vendor-05/20/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | UW RESPONSE.pdf<br> XXX SOS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 324752 | XXX | XXX D A | Closed | FCOM8807 | 2025-05-12 11:51 | 2025-05-20 15:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. - Seller-05/20/2025 <br>Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/20/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-05/20/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | SureReceiptsCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 399701 | XXX | XXX D A C | Closed | FCRE1167 | 2025-04-30 11:30 | 2025-05-07 13:11 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Received RCE reflecting HOI coverage is sufficient. - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Counter-Lender commentary received, however insufficient to clear condition. HOI coverage of $XXX is less than all Subject lien amounts of $XXX. Missing RCE for subject property reflecting sufficient coverage. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Hello, please disregard the cost estimator. We have enough dwelling coverage on the insurance to cover the loan amount. - Seller-05/02/2025 <br> Open-Borrower provided a replacement cost estimator however the address reflected on the policy is not our subject property address. (address reflected shows as XXX) - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Ready for Review-Hello, please disregard the cost estimator. We have enough dwelling coverage on the insurance to cover the loan amount. - Seller-05/02/2025<br>| Resolved-Received RCE reflecting HOI coverage is sufficient. - Due Diligence Vendor-05/07/2025<br>| Credit Score greater than minimum FICO - XXX score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | UPDATED RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 399701 | XXX | XXX D A C | Closed | FCOM5814 | 2025-04-29 13:44 | 2025-05-02 13:44 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received Closing Disclosure Issued XXX inclusive of Page 3. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. - Seller-05/02/2025 <br> Open-Final Closing Disclosure in file Issued XXX is missing Page 3. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-Received Closing Disclosure Issued XXX inclusive of Page 3. - Due Diligence Vendor-05/02/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | CLOSING DISCLOSURE (FINAL AT FUNDING).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 399701 | XXX | XXX D A C | Closed | FCRE1157 | 2025-04-30 11:28 | 2025-05-02 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Lender LOX and PCCD reflecting no supplemental insurance. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. - Seller-05/02/2025 <br> Open-Missing supplemental insurance in the amount of $XXX. Lender loan info and the CD both reflect additional insurance in escrow however there isn't any supporting documentation in the file. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/02/2025<br>| Resolved-Received Lender LOX and PCCD reflecting no supplemental insurance. - Due Diligence Vendor-05/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | LENDER RESPONSE.pdf<br>CLOSING DISCLOSURE (FINAL AT FUNDING).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 328694 | XXX | XXX D A | Closed | FCOM8807 | 2025-05-22 15:18 | 2025-06-02 15:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Document Uploaded. - Seller-06/02/2025 <br>Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-06/02/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700. |  | SureReceiptsCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |

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## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 2**

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](incenter-logo.jpg) | Report Date: | 7/7/2025 |
| Client Name: | Vista Point Mortgage | Report: | Rating Agency Grades |
| Deal Name: | VSTA 2025-CES2 | Loans in report: | 136 |

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS** | **Kroll** | **Moodys** | **DBRS** | **Kroll** | **Moodys** |
| XXX | 337341 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 314701 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 375431 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 301671 | XXX | XXX | XXX A | D | D | D A | A | A | A |
| XXX | 399071 | XXX | XXX | XXX D A | A | A | A D B | A | A | A B |
| XXX | 394612 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 330500 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 331837 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 350373 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 305704 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 381448 | XXX | XXX | XXX A C | A | A | A C | A | A | A |
| XXX | 363395 | XXX | XXX | XXX D C | A | A | A D | A | A | A |
| XXX | 369027 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 360413 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 368992 | XXX | XXX | XXX C B | D | D | D A | A | A | A |
| XXX | 356964 | XXX | XXX | XXX D | C | C | C D A | A | A | A |
| XXX | 357275 | XXX | XXX | XXX A B | A | A | A B | A | A | A |
| XXX | 327624 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 305634 | XXX | XXX | XXX A B | C | C | C A | A | A | A |
| XXX | 351166 | XXX | XXX | XXX A | C | C | C A | B | B | B |
| XXX | 307749 | XXX | XXX | XXX C | A | A | A C B | A | A | A B |
| XXX | 310789 | XXX | XXX | XXX D B | C | C | C D A | B | B | B |
| XXX | 364945 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 379848 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 370020 | XXX | XXX | XXX D A | C | C | C D A | B | B | B |
| XXX | 360656 | XXX | XXX | XXX D | C | C | C D A | A | A | A |
| XXX | 346532 | XXX | XXX | XXX A B | A | A | A B | A | A | A |
| XXX | 356768 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 373401 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 392223 | XXX | XXX | XXX C | C | C | C A | A | A | A |
| XXX | 303031 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 328998 | XXX | XXX | XXX D A | D | D | D A | B | B | B |
| XXX | 358196 | XXX | XXX | XXX C A | A | A | A C B | A | A | A B |
| XXX | 371466 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 333748 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 349105 | XXX | XXX | XXX D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 367252 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 344873 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 330042 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 381098 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 395246 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 362269 | XXX | XXX | XXX C B | A | A | A C | A | A | A |
| XXX | 334371 | XXX | XXX | XXX D B | A | A | A D | A | A | A |
| XXX | 395706 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 391682 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 360723 | XXX | XXX | XXX D B | A | A | A D | A | A | A |
| XXX | 312235 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 365928 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 374986 | XXX | XXX | XXX D | C | C | C D A | A | A | A |
| XXX | 370800 | XXX | XXX | XXX A | N/A | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 345886 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 331869 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 398188 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 362426 | XXX | XXX | XXX C D | C | C | C D A | A | A | A |
| XXX | 334144 | XXX | XXX | XXX A | N/A | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 345123 | XXX | XXX | XXX D C | A | A | A D | A | A | A |
| XXX | 391899 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 332078 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 318018 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 352001 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 320874 | XXX | XXX | XXX D C | A | A | A D | A | A | A |
| XXX | 326895 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 340319 | XXX | XXX | XXX B D | A | A | A D | A | A | A |
| XXX | 379332 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 350567 | XXX | XXX | XXX A D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 334194 | XXX | XXX | XXX D A | C | C | C D A | B | B | B |
| XXX | 326363 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 387656 | XXX | XXX | XXX C A | N/A | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 363082 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 336255 | XXX | XXX | XXX A C | A | A | A C | A | A | A |
| XXX | 365234 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 305878 | XXX | XXX | XXX D A | C | C | C D A | A | A | A |
| XXX | 349777 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 325852 | XXX | XXX | XXX A B | A | A | A B | A | A | A |
| XXX | 344490 | XXX | XXX | XXX C | N/A D | N/A | N/A D C | N/A | N/A | N/A C |
| XXX | 339966 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 320593 | XXX | XXX | XXX A | C | C | C A | A | A | A |
| XXX | 383510 | XXX | XXX | XXX A | N/A | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 355346 | XXX | XXX | XXX C D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 389006 | XXX | XXX | XXX D A | C | C | C D A | A | A | A |
| XXX | 388201 | XXX | XXX | XXX C B | A | A | A C | A | A | A |
| XXX | 359317 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 338886 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 308610 | XXX | XXX | XXX A B | A | A | A B | A | A | A |
| XXX | 339763 | XXX | XXX | XXX A | C | C | C A | A | A | A |
| XXX | 369351 | XXX | XXX | XXX C A | C | C | C A | A | A | A |
| XXX | 308005 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 375452 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 373701 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 327020 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 306941 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 346071 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 336429 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 367443 | XXX | XXX | XXX A D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 320860 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 306993 | XXX | XXX | XXX D | A | A | A D B | A | A | A B |
| XXX | 360896 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 315988 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 378971 | XXX | XXX | XXX C A | C | C | C A | A | A | A |
| XXX | 362259 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 331595 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 374062 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 310385 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 318543 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 341505 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 328294 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 309900 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 376863 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 351869 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 341389 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 362701 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 310878 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 392331 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 358856 | XXX | XXX | XXX C D | A | A | A D B | A | A | A B |
| XXX | 303094 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 306308 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 360737 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 316946 | XXX | XXX | XXX C A | A | A | A C B | A | A | A B |
| XXX | 318088 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 366910 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 345201 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 331688 | XXX | XXX | XXX A D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 363968 | XXX | XXX | XXX C B | A | A | A C | A | A | A |
| XXX | 351016 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 306543 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 345454 | XXX | XXX | XXX D | D | D | D A | A | A | A |
| XXX | 321841 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 378039 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 386333 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 324752 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 399701 | XXX | XXX | XXX D C | A | A | A D | A | A | A |
| XXX | 395767 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 399840 | XXX | XXX | XXX A | N/A | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 328694 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 316424 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 319796 | XXX | XXX | XXX A | A | A | A | A | A | A |

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## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 3**

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](incenter-logo.jpg) | Report Date: | 7/7/2025 |
| Client Name: | Vista Point Mortgage | Report: | QM ATR |
| Deal Name: | VSTA 2025-CES2 | Loans in report: | 136 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client 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?** |
| XXX | 337341 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 314701 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 375431 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 301671 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 399071 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 394612 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 330500 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 331837 | XXX | XXX | XXX | 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 | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Retired | No | No | No |  |
| XXX | 350373 | XXX | XXX | XXX | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 305704 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 381448 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | N/A | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 363395 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 369027 | XXX | XXX | XXX | 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 | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Not Employed | Employed | No | No | No |  |
| XXX | 360413 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 368992 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 356964 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 357275 | XXX | XXX | XXX | 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 | Yes |  |  | Yes | Yes | N/A | Yes | Yes | N/A | N/A | No | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 327624 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 305634 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 351166 | XXX | XXX | XXX | 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 | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 307749 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 310789 | XXX | XXX | XXX | 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 | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 364945 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 379848 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 370020 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 360656 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 346532 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 356768 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired |  | No |  | No |  |
| XXX | 373401 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 392223 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 303031 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 328998 | XXX | XXX | XXX | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 358196 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 371466 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 333748 | XXX | XXX | XXX | 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 | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 349105 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 367252 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 344873 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| XXX | 330042 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | N/A | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| XXX | 381098 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 395246 | XXX | XXX | XXX | 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 | No | Yes | Present |
| XXX | 362269 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 334371 | XXX | XXX | XXX | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 395706 | XXX | XXX | XXX | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 391682 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 360723 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 312235 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 365928 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 374986 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 370800 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Missing |
| XXX | 345886 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 331869 | XXX | XXX | XXX | 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 | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 398188 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 362426 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 334144 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 345123 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 391899 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 332078 | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Yes |  | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 318018 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 352001 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 320874 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 326895 | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | Yes | Employed | Not Employed | No | No | No |  |
| XXX | 340319 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 379332 | XXX | XXX | XXX | 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 | Yes | Yes | Yes |  |  |  |  | No |  | Yes | Missing |
| XXX | 350567 | XXX | XXX | XXX | 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 | Missing |
| XXX | 334194 | XXX | XXX | XXX | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 326363 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 387656 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 363082 | XXX | XXX | XXX | 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 | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 336255 | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors | Yes |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 365234 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 305878 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 349777 | XXX | XXX | XXX | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 325852 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 344490 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 339966 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 320593 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 383510 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 355346 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 389006 | XXX | XXX | XXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 388201 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 359317 | XXX | XXX | XXX | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 338886 | XXX | XXX | XXX | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 308610 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 339763 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 369351 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 308005 | XXX | XXX | XXX | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 375452 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 373701 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 327020 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 306941 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 346071 | XXX | XXX | XXX | 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 |
| XXX | 336429 | XXX | XXX | XXX | 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 |
| XXX | 367443 | XXX | XXX | XXX | 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 |
| XXX | 320860 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 306993 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 360896 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 315988 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 378971 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 362259 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 331595 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 374062 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 310385 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 318543 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Employed | No | No | No |  |
| XXX | 341505 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 328294 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 309900 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 376863 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 351869 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 341389 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 362701 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 310878 | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 392331 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 358856 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 303094 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 306308 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | N/A | N/A | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 360737 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 316946 | XXX | XXX | XXX | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 318088 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 366910 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 345201 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 331688 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 363968 | XXX | XXX | XXX | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 351016 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 306543 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | N/A | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 345454 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | N/A | N/A | No | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 321841 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 378039 | XXX | XXX | XXX | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 386333 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 324752 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 399701 | XXX | XXX | XXX | 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 | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 395767 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 399840 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| XXX | 328694 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| XXX | 316424 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| XXX | 319796 | XXX | XXX | XXX | 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 |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](incenter-logo.jpg) | Report Date: | 7/7/2025 |
| Client Name: | Vista Point Mortgage | Report: | Final Tape Compare |
| Deal Name: | VSTA 2025-CES2 | Loans in report: | 136 |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 314701 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 314701 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Full Doc | 24 mo Full Doc |
| XXX | 314701 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 375431 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 399071 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 394612 | XXX | XXX | XXX | Borrower 2 Last Name | notePage | XXX | XXX |
| XXX | 394612 | XXX | XXX | XXX | ULI | the1003Page | XXX | XXX |
| XXX | 394612 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 394612 | XXX | XXX | XXX | Property Type | propertyValuationPage | PUD | Single Family Detached |
| XXX | 330500 | XXX | XXX | XXX | ULI | the1003Page | XXX | XXX |
| XXX | 331837 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 331837 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 350373 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 305704 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 305704 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 381448 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 381448 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 381448 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 363395 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Bank Statement | Full Doc |
| XXX | 369027 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 360413 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Bank Statement | Full Doc |
| XXX | 368992 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 368992 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 357275 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 357275 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 327624 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc |
| XXX | 305634 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 351166 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 310789 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 310789 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 310789 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 364945 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 379848 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | P&L Only - 1 Year |
| XXX | 379848 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 370020 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 360656 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 360656 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 346532 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 346532 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 356768 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 356768 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 373401 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 303031 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 303031 | XXX | XXX | XXX | Other Lien Original Balance | firstLienDetailsPage | XXX | XXX |
| XXX | 328998 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 328998 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 358196 | XXX | XXX | XXX | Borrower 1 Last Name | notePage | XXX | XXX |
| XXX | 358196 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 371466 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 333748 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 333748 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 333748 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc |
| XXX | 333748 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 349105 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 349105 | XXX | XXX | XXX | Other Lien Original Balance | firstLienDetailsPage | XXX | XXX |
| XXX | 349105 | XXX | XXX | XXX | Property Type | propertyValuationPage | PUD | SFR |
| XXX | 367252 | XXX | XXX | XXX | Property Type | propertyValuationPage | PUD | Single Family Detached |
| XXX | 344873 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 344873 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 330042 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 330042 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 330042 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 395246 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 6 months interest on amount that exceeds 20% | 1 Year |
| XXX | 395246 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 395246 | XXX | XXX | XXX | Originator DSCR | diligenceFinalLookPage | XXX | XXX |
| XXX | 362269 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 362269 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 334371 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 395706 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 360723 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 360723 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 312235 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 312235 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 365928 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 365928 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 374986 | XXX | XXX | XXX | Borrower 1 Last Name | notePage | XXX | XXX |
| XXX | 345886 | XXX | XXX | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX |
| XXX | 345886 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 331869 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 331869 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt |
| XXX | 398188 | XXX | XXX | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX |
| XXX | 334144 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 334144 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 345123 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt |
| XXX | 391899 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 332078 | XXX | XXX | XXX | Interest Rate | notePage | 9.625 | 0.0962 |
| XXX | 332078 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM |
| XXX | 320874 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 326895 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 379332 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 6 months interest on amount that exceeds 20% | 1 Year |
| XXX | 379332 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 350567 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 6 months interest on amount that exceeds 20% | 1 Year |
| XXX | 326363 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 387656 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 363082 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 336255 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 336255 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: APOR |
| XXX | 336255 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 325852 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 325852 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 344490 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 344490 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 339966 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 320593 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 355346 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 355346 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 388201 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 338886 | XXX | XXX | XXX | Property Zip Code | notePage | XXX | XXX |
| XXX | 338886 | XXX | XXX | XXX | Qualifying Loan Amount | propertyValuationPage | XXX | XXX |
| XXX | 338886 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 338886 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 308610 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 308610 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 308610 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 369351 | XXX | XXX | XXX | Borrower 1 First Name | notePage | XXX | XXX |
| XXX | 369351 | XXX | XXX | XXX | Property Zip Code | notePage | XXX | XXX |
| XXX | 369351 | XXX | XXX | XXX | Interest Rate | notePage | 11.625 | 0.1162 |
| XXX | 308005 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 375452 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 375452 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 373701 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 373701 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 327020 | XXX | XXX | XXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 |
| XXX | 346071 | XXX | XXX | XXX | Property Type | propertyValuationPage | Single Family Detached | PUD |
| XXX | 346071 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Closed End Second |
| XXX | 336429 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 367443 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 367443 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Closed End Second |
| XXX | 320860 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 320860 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 306993 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 306993 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 360896 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 315988 | XXX | XXX | XXX | Borrower 1 FTHB | the1003Page | false | Yes |
| XXX | 378971 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 378971 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 378971 | XXX | XXX | XXX | Refinance Type | the1003Page | Cash Out - Other | Limited Cash Out - <2% of Loan Amount or $2000 |
| XXX | 362259 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 362259 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 331595 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 331595 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 331595 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 374062 | XXX | XXX | XXX | Property City | notePage | XXX | XXX |
| XXX | 374062 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 374062 | XXX | XXX | XXX | Refinance Type | the1003Page | Cash Out - Other | Cash Out - Debt Consolidation |
| XXX | 374062 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 374062 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 310385 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 310385 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 310385 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc |
| XXX | 318543 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 318543 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 318543 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 318543 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 341505 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 341505 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 341505 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 341505 | XXX | XXX | XXX | Refinance Type | the1003Page | Cash Out - Other | Limited Cash Out - <2% of Loan Amount or $2000 |
| XXX | 341505 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 341505 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Attached |
| XXX | 341505 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 341505 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 328294 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 328294 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 328294 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 309900 | XXX | XXX | XXX | Interest Rate | notePage | 8.875 | 9.7500 |
| XXX | 309900 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 309900 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 309900 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 309900 | XXX | XXX | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX |
| XXX | 309900 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Bank Statement | Full Doc |
| XXX | 376863 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 376863 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 376863 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 376863 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 351869 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 351869 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 351869 | XXX | XXX | XXX | First Payment Date | notePage | XXX | XXX |
| XXX | 362701 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 362701 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Bank Statement | Full |
| XXX | 310878 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 310878 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 310878 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 310878 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 310878 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors |
| XXX | 392331 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 358856 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 358856 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 358856 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 303094 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 303094 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 303094 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 303094 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 306308 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 306308 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 306308 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 306308 | XXX | XXX | XXX | Property Type | propertyValuationPage | Condominium | PUD |
| XXX | 306308 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 360737 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 360737 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 360737 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 316946 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 316946 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 316946 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 316946 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 316946 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 318088 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 318088 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 318088 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 318088 | XXX | XXX | XXX | Refinance Type | the1003Page | Cash Out - Other | Limited Cash Out - <2% of Loan Amount or $2000 |
| XXX | 366910 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 345201 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 345201 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 345201 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 331688 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 331688 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 331688 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 363968 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 363968 | XXX | XXX | XXX | Property Value | propertyValuationPage | 1300000 | 0.00 |
| XXX | 363968 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 363968 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 363968 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Bank Statement | Full |
| XXX | 351016 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 351016 | XXX | XXX | XXX | Interest Rate | notePage | 11.25 | 37.4600 |
| XXX | 351016 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 351016 | XXX | XXX | XXX | Occupancy | the1003Page | Primary Residence | Other |
| XXX | 351016 | XXX | XXX | XXX | Amortization Term | notePage | 360 | Ineligible |
| XXX | 351016 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 351016 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 351016 | XXX | XXX | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX |
| XXX | 351016 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 351016 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | 475314 |
| XXX | 306543 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 306543 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 306543 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 345454 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 345454 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 321841 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 321841 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 378039 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 378039 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 386333 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 324752 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 399701 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 395767 | XXX | XXX | XXX | Borrower 1 FTHB | the1003Page | true | No |
| XXX | 395767 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 399840 | XXX | XXX | XXX | Interest Rate | notePage | 9.25 | 10.3890 |
| XXX | 399840 | XXX | XXX | XXX | Amortization Term | notePage | 360 | Provisionally Eligible |
| XXX | 399840 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 399840 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 399840 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 399840 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Attached |
| XXX | 328694 | XXX | XXX | XXX | Amortization Term | notePage | 360 | Provisionally Eligible |
| XXX | 328694 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 328694 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | 456835 |
| XXX | 316424 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 319796 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 319796 | XXX | XXX | XXX | Interest Rate | notePage | 9.125 | 3.1460 |
| XXX | 319796 | XXX | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |
| XXX | 319796 | XXX | XXX | XXX | Amortization Term | notePage | 360 | Provisionally Eligible |
| XXX | 319796 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 319796 | XXX | XXX | XXX | Sales Price | propertyValuationPage | XXX | XXX |
| XXX | 319796 | XXX | XXX | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX |
| XXX | 319796 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 319796 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 319796 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | 2443492 |

---

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 5**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](incenter-logo.jpg) | Report Date: | 7/7/2025 |
| Client Name: | Vista Point Mortgage | Report: | Valuation Summary |
| Deal Name: | VSTA 2025-CES2 | Loans in report: | 136 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX | 337341 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 314701 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 375431 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 301671 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | Low | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.3 | XXX |
| XXX | 399071 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 394612 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 330500 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.1 | XXX |
| XXX | 331837 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.4 | XXX |
| XXX | 350373 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 305704 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.9 | XXX |
| XXX | 381448 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.5 | XXX |
| XXX | 363395 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 3.6 | XXX |
| XXX | 369027 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 360413 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 368992 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | Low | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.4 | XXX |
| XXX | 356964 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 4.4 | XXX |
| XXX | 357275 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 327624 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 305634 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 351166 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.1 | XXX |
| XXX | 307749 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 310789 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2055 Exterior Only Inspection Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 364945 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 379848 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.9 | XXX |
| XXX | 370020 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.6 | XXX |
| XXX | 360656 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0042 | 1004 URAR | XXX | XXX |  |  | XXX | XXX | .0042 | XXX | 1004 URAR | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 346532 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 356768 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | Moderate Risk | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 373401 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | .0689 | AVM | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX | .0689 | 92.0 | 0.08 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 392223 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.9 | XXX |
| XXX | 303031 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.3 | XXX |
| XXX | 328998 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2055 Exterior Only Inspection Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 358196 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 371466 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 3.3 | XXX |
| XXX | 333748 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.6 | XXX |
| XXX | 349105 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.5 | XXX |
| XXX | 367252 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 344873 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 330042 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 381098 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 3.3 | XXX |
| XXX | 395246 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 3 | XXX |
| XXX | 362269 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.6 | XXX |
| XXX | 334371 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.1 | XXX |
| XXX | 395706 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.1 | XXX |
| XXX | 391682 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 360723 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2 | XXX |
| XXX | 312235 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2095 Exterior Only Inspection Coop Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.6 | XXX |
| XXX | 365928 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 374986 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 370800 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 345886 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 331869 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2 | XXX |
| XXX | 398188 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 3.7 | XXX |
| XXX | 362426 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 334144 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 345123 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.5 | XXX |
| XXX | 391899 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 332078 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.1554 | AVM | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX | -.1554 | 84.0 | 0.16 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.7 | XXX |
| XXX | 318018 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 352001 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.6 | XXX |
| XXX | 320874 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 326895 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.6 | XXX |
| XXX | 340319 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 379332 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 350567 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 334194 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Not Eligible | 1 | XXX |
| XXX | 326363 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0022 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0022 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 387656 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 363082 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | -.0667 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | -.0667 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 336255 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 365234 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.7 | XXX |
| XXX | 305878 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 349777 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 325852 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 344490 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 97 | 0.03 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 339966 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 320593 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 383510 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 94 | 0.06 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 355346 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 90 | 0.1 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 389006 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 388201 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 0 | XXX |
| XXX | 359317 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2055 Exterior Only Inspection Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 338886 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2055 Exterior Only Inspection Report | XXX | XXX | XXX | XXX | XXX | .0148 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX | .0213 | 87.0 | 0.13 | XXX | XXX | XXX | XXX | XXX | .0148 | XXX | Low Risk | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 308610 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1075 Exterior Only Inspection Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 339763 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 369351 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.5 | XXX |
| XXX | 308005 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.7 | XXX |
| XXX | 375452 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 373701 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 327020 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 95 | 0.05 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 306941 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 346071 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1 | XXX | Eligible | 1.6 | XXX |
| XXX | 336429 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 2.5 | XXX | Eligible | 1 | XXX |
| XXX | 367443 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 95 | 0.05 | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 320860 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.1 | XXX |
| XXX | 306993 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.2 | XXX |
| XXX | 360896 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 315988 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Not Eligible | 1.2 | XXX |
| XXX | 378971 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 362259 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.3 | XXX |
| XXX | 331595 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.1 | XXX |
| XXX | 374062 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.5 | XXX |
| XXX | 310385 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.8 | XXX |
| XXX | 318543 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 341505 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 328294 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 309900 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.2 | XXX |
| XXX | 376863 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 351869 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.7 | XXX |
| XXX | 341389 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 362701 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.1 | XXX |
| XXX | 310878 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 392331 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 3.9 | XXX |
| XXX | 358856 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 303094 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.7 | XXX |
| XXX | 306308 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 360737 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 4.8 | XXX |
| XXX | 316946 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 318088 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 366910 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.2 | XXX |
| XXX | 345201 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.7 | XXX |
| XXX | 331688 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 363968 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 3.6 | XXX |
| XXX | 351016 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.2 | XXX |
| XXX | 306543 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 4.4 | XXX |
| XXX | 345454 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2 | XXX |
| XXX | 321841 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.8 | XXX |
| XXX | 378039 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 3.1 | XXX |
| XXX | 386333 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.6 | XXX |
| XXX | 324752 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1 | XXX | Eligible | 1 | XXX |
| XXX | 399701 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 3.8 | XXX |
| XXX | 395767 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 399840 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 328694 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 3.5 | XXX | Not Eligible | 1.3 | XXX |
| XXX | 316424 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2 | XXX |
| XXX | 319796 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Not Eligible | 2.5 | XXX |

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## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 6**

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](incenter-logo.jpg) | Report Date: | 7/7/2025 |
| Client Name: | Vista Point Mortgage | Report: | Supplemental Data |
| Deal Name: | VSTA 2025-CES2 | Loans in report: | 136 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| XXX | 337341 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 12/24/2024 | 6.770% | Manual Underwriting |  | No | 10.035% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 314701 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/10/2025 | 6.870% | Manual Underwriting |  | No | 9.636% |  | 8.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 27 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 375431 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/07/2025 | 6.890% | Manual Underwriting |  | No | 9.056% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 144 | 36 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Commission, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2022 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2022 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 301671 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Yes | 1 - Not Stated Not Verified |  | 3 - Stated, Partially Verified |  | 3 - Stated, 3rd Party Verification |  | Self-Employed | Employed | Retired |  | .00 |  | Full Doc | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 16 | 16 | Work Number | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 \|\| Co Borrower 2 - Retirement, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 \|\| Co Borrower 2 - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 - 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |
| XXX | 399071 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 11.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 71.41% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Personal Bank Statements Verified, Lease Agreements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11 | XXX | XXX | 2 | 58 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 394612 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/10/2025 | 6.890% | Manual Underwriting |  | No | 11.113% |  | 10.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 |  | 0 | No | 0 | Yes | 13 | 24 | FNMA 1005 | Yes | 29 | 24 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), null CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2023, 2022 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2023, 2022 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2023, 2022 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2023, 2022 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 330500 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/15/2025 | 6.980% | Manual Underwriting |  | No | 12.850% |  | 12.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 - 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 - 2025 | Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 - 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | USA | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 331837 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/22/2025 | 7.070% | Manual Underwriting |  | No | 9.853% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 85.21% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 180 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024 - 2024 \|\| Co Borrower - SSI and Disability - Lease Agreements Verified - 2024 - 2024 | Borrower - 2024 - 2024 \|\| Co Borrower - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 350373 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 10.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | US | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 305704 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/27/2025 | 6.930% | Manual Underwriting |  | No | 10.416% |  | 9.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 381448 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/28/2025 | 6.750% | Manual Underwriting |  | No | 9.234% |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified, Lease Agreements Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 363395 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/03/2025 | 6.650% | Manual Underwriting |  | No | 13.713% |  | 12.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 369027 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/03/2025 | 6.920% | Manual Underwriting |  | No | 9.437% |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | Bank Statement | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 47.97% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 72 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 360413 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A |  | 01/08/2025 | 6.890% | Manual Underwriting |  | No | 11.976% |  | 11.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 132 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 368992 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/28/2025 | 6.850% | Manual Underwriting |  | No | 10.095% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | USA | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 356964 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/06/2025 | 6.730% | Manual Underwriting |  | No | 10.560% |  | 10.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 357275 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A |  | 03/19/2025 | 6.650% | Manual Underwriting |  | No | 10.020% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 37.50% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 327624 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/05/2025 | 6.650% | Manual Underwriting |  | No | 12.408% |  | 11.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 53 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 305634 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/11/2025 | 6.870% | Manual Underwriting |  | No | 10.303% |  | 9.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 69 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 351166 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/12/2025 | 6.870% | Manual Underwriting |  | No | 8.618% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  |  |  |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - null Personal Tax Returns Verified, null Business Tax Returns Verified(), CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 307749 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/12/2025 | 6.870% | Manual Underwriting |  | No | 11.741% |  | 11.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 70.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 310789 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/13/2025 | 6.870% | Manual Underwriting |  | No | 10.163% |  | 10.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 199 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 364945 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/13/2025 | 6.870% | Manual Underwriting |  | No | 10.670% |  | 9.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 379848 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/14/2025 | 6.870% | Manual Underwriting |  | No | 11.636% |  | 11.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 370020 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/18/2025 | 6.620% | Manual Underwriting |  | No | 8.599% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 208 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 360656 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/18/2025 | 6.880% | Manual Underwriting |  | No | 9.067% |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 82.83% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 346532 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/21/2025 | 6.880% | Manual Underwriting |  | No | 11.180% |  | 10.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 0 | 1 | 2 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 36.75% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | Yes | 24 | 24 | Work Number | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 356768 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/21/2025 | 6.880% | Manual Underwriting |  | No | 9.626% |  | 8.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 2 | 1 | 0 | 0 | 2 | 1 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 373401 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/17/2025 | 6.650% | Manual Underwriting |  | No | 8.640% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 392223 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 12/19/2024 | 6.630% | Manual Underwriting |  | No | 10.480% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | x | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 303031 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/27/2025 | 6.850% | Manual Underwriting |  | No | 11.318% |  | 10.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | Yes | 120 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 328998 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 11.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | Yes | N/A | 0 | 12 | 0.00% | 100.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 358196 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/27/2025 | 6.850% | Manual Underwriting |  | No | 11.186% |  | 10.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 371466 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/28/2025 | 6.600% | Manual Underwriting |  | No | 10.078% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  |  |  |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - null Personal Tax Returns Verified, null Business Tax Returns Verified(), 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 333748 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/28/2025 | 6.850% | Manual Underwriting |  | No | 9.107% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 349105 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/03/2025 | 6.730% | Manual Underwriting |  | No | 8.689% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 37 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 367252 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/04/2025 | 6.730% | Manual Underwriting |  | No | 8.172% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 48 | 26 | Work Number | Yes | 58 | 26 | Other | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 344873 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/03/2025 | 6.730% | Manual Underwriting |  | No | 10.224% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement - 2 YRS Executed 4506T Verified - 2025 - 2025 \|\| Co Borrower - Retirement - 2 YRS Executed 4506T Verified - 2025 - 2025 | Borrower - 2 YRS Executed 4506T Verified - 2025 - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2025 - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXX | XXX | 1 | 97 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 330042 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/04/2025 | 6.730% | Manual Underwriting |  | No | 13.900% |  | 13.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Retirement, SSI and Disability - 2025 - 2025 \|\| Co Borrower - Retirement, SSI and Disability - 2025 - 2025 | Borrower - 2025 - 2025 \|\| Co Borrower - 2025 - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 381098 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/10/2025 | 6.620% | Manual Underwriting |  | No | 12.273% |  | 11.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, SSI and Disability - 2 YRS Personal Tax Returns Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 395246 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 11.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.616 | 1.622 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXX | 362269 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/11/2025 | 6.310% | Manual Underwriting |  | No | 8.534% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 0.00% | 100.00% | 40.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified \|\| Co Borrower - SECorporation - Business Bank Statements Verified | Borrower \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 334371 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 395706 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 391682 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/17/2025 | 6.230% | Manual Underwriting |  | No | 10.764% |  | 10.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 360723 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/19/2025 | 6.650% | Manual Underwriting |  | No | 8.905% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 312235 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/19/2025 | 6.650% | Manual Underwriting |  | No | 12.039% |  | 11.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 37 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 365928 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/28/2025 | 6.880% | Manual Underwriting |  | No | 9.216% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 213 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 374986 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/24/2025 | 6.660% | Manual Underwriting |  | No | 10.249% |  | 10.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 9 | 109 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 370800 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 10.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.63 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | US | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 345886 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 12/20/2024 | 6.630% | Manual Underwriting |  | No | 10.365% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 1 |  |  | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 331869 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/20/2025 | 6.650% | Manual Underwriting |  | No | 9.808% |  | 9.200% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 398188 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/21/2025 | 6.650% | Manual Underwriting |  | No | 8.692% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 6 | 72 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 362426 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/21/2025 | 6.650% | Manual Underwriting |  | No | 9.889% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 334144 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A |  | 03/13/2025 | 6.310% | Manual Underwriting |  | No | 9.958% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 4 | 4 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 345123 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/24/2025 | 6.660% | Manual Underwriting |  | No | 9.264% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 391899 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/27/2025 | 6.660% | Manual Underwriting |  | No | 10.442% |  | 9.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1040 Schedule E Verified | Borrower - 1 YR Executed 4506T Verified, 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 5 | 1 | 1 | 0 | 5 | 1 | 1 | 0 | 10 | 2 | 2 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 332078 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A |  | 04/02/2025 | 6.650% | Manual Underwriting |  | No | 10.132% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 318018 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/31/2025 | 6.650% | Manual Underwriting |  | No | 12.580% |  | 11.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 352001 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/01/2025 | 6.650% | Manual Underwriting |  | No | 10.738% |  | 10.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 2 | 24 | Work Number | Yes | 4 | 48 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 320874 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/31/2025 | 6.650% | Manual Underwriting |  | No | 8.804% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 326895 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A |  | 04/02/2025 | 6.650% | Manual Underwriting |  | No | 9.693% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 12 | 36 | Work Number | Yes | 12 | 36 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2022 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2022 \|\| Co Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXX | United States | XXX |  | XXX |  |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Missing |  | XXX | US | XXX |  |  | N/A |  | 02-27-2027 |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 340319 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/01/2025 | 6.010% | Manual Underwriting |  | No | 10.959% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 26 | 325 | Work Number | Yes | 27 | 122 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 379332 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | Yes | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.079 | 1.079 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 350567 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.011 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 334194 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 11.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Member on Behalf of Entity | N/A | N/A | N/A |
| XXX | 326363 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/03/2025 | 6.650% | Manual Underwriting |  | No | 9.498% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 91.21% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 387656 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/04/2025 | 6.650% | Manual Underwriting |  | No | 9.164% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 2 | 25 | Work Number | Yes | 9 | 108 | Work Number | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 363082 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/06/2025 | 6.740% | Manual Underwriting |  | No | 9.912% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Primary Residence Rent Income, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, CPA Letter Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 336255 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/08/2025 | 6.620% | Manual Underwriting |  | No | 10.653% |  | 9.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 365234 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A |  | 04/08/2025 | 6.620% | Manual Underwriting |  | No | 9.893% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 66 | 27 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2019, 2020, 2021, 2022, 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2019, 2020, 2021, 2022, 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 305878 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/01/2025 | 6.650% | Manual Underwriting |  | No | 9.237% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SEPartnership, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), Lease Agreements Verified - 2023 - 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1) - 2023 - 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 349777 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 10.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 156 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 325852 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/09/2025 | 6.620% | Manual Underwriting |  | No | 12.142% |  | 11.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, CPA Letter Verified, 1040 Schedule E Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1040 Schedule E Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | US Citizen | N/A | Missing |  | XXX | US | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 344490 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/09/2025 | 5.930% | Manual Underwriting |  | No | 9.061% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 211 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 339966 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/14/2025 | 6.700% | Manual Underwriting |  | No | 9.943% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 320593 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/14/2025 | 6.700% | Manual Underwriting |  | No | 11.278% |  | 10.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 202 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 383510 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/17/2025 | 6.700% | Manual Underwriting |  | No | 10.024% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 355346 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/03/2025 | 6.650% | Manual Underwriting |  | No | 9.675% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 2 |  |  | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 4 | 48 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 389006 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A |  | 04/18/2025 | 6.080% | Manual Underwriting |  | No | 9.504% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 103 | 24 | Work Number | Yes | 56 | 24 | Work Number | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2020, 2021, 2022, 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2020, 2021, 2022, 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 388201 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 68.49% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 359317 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2020, 2021, 2022, 2023, 2024, 2025 | Borrower - 2020, 2021, 2022, 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 338886 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 324 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Missing |  | XXX | US | XXX |  | XXX |  |  | 03-09-2032 |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 308610 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/01/2025 | 6.880% | Manual Underwriting |  | No | 10.081% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 339763 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/01/2025 | 6.650% | Manual Underwriting |  | No | 9.242% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 369351 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/06/2025 | 6.740% | Manual Underwriting |  | No | 12.094% |  | 11.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 308005 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 77 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 375452 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/08/2025 | 6.740% | Manual Underwriting |  | No | 11.193% |  | 10.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Missing | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | Permanent Resident Alien | Permanent Non-US Citizen | Yes - ITIN Card | Missing |  | XXX | US | XXX |  |  | Missing |  | 09-02-2032 |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 373701 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/09/2025 | 6.740% | Manual Underwriting |  | No | 11.250% |  | 10.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2021, 2022, 2023, 2024, 2025 | Borrower - 2021, 2022, 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 327020 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/09/2025 | 6.340% | Manual Underwriting |  | No | 9.068% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Missing | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Missing |  | XXX | US | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 306941 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/13/2025 | 6.800% | Manual Underwriting |  | No | 9.396% |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 346071 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.008 | 1.007 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 336429 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 10.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1.002 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 367443 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 320860 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/07/2025 | 6.890% | Manual Underwriting |  | No | 10.502% |  | 10.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 306993 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/07/2025 | 6.730% | Manual Underwriting |  | No | 10.847% |  | 10.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 61 | 25 | Work Number | Yes | 25 | 25 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 360896 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/31/2025 | 6.650% | Manual Underwriting |  | No | 8.986% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 315988 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/30/2025 | 6.880% | Manual Underwriting |  | No | 10.910% |  | 10.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 378971 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/15/2025 | 6.980% | Manual Underwriting |  | No | 12.368% |  | 11.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 362259 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 12/23/2024 | 6.770% | Manual Underwriting |  | No | 11.105% |  | 10.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 99.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Missing | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Member on Behalf of Entity | N/A | N/A | N/A |
| XXX | 331595 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/27/2025 | 6.930% | Manual Underwriting |  | No | 9.262% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 374062 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/20/2025 | 6.880% | Manual Underwriting |  | No | 10.626% |  | 10.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 7 | 7 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 310385 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/29/2025 | 6.930% | Manual Underwriting |  | No | 10.119% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 318543 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/04/2025 | 6.920% | Manual Underwriting |  | No | 10.175% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, null IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 | Borrower - 2 YRS Executed 4506T Verified, null IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2023, 2022 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 341505 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/21/2025 | 6.880% | Manual Underwriting |  | No | 9.927% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 50.00% |  | Borrower Prepared | 12 | Borrower | Borrower Prepared | Borrower | 12 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 328294 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/03/2025 | 6.920% | Manual Underwriting |  | No | 11.435% |  | 11.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXX | XXX | 1 | 92 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 309900 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/03/2025 | 6.920% | Manual Underwriting |  | No | 9.208% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Bank Statement | 0 | 0 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 77.01% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 36 | 36 | FNMA 1005 | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing | Driver License | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing | Driver License | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 376863 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/06/2025 | 6.920% | Manual Underwriting |  | No | 9.306% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 32.91% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, SECorporation - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 351869 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/30/2025 | 6.930% | Manual Underwriting |  | No | 11.279% |  | 10.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - Executed 4506T Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 341389 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/29/2025 | 6.930% | Manual Underwriting |  | No | 10.555% |  | 10.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 362701 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/12/2025 | 6.870% | Manual Underwriting |  | No | 9.040% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 310878 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A |  | 03/07/2025 | 6.470% | Manual Underwriting |  | No | 11.449% |  | 10.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 1 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Retirement, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, Lease Agreements Verified | Borrower - 1 YR IRS Transcripts Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 392331 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/24/2025 | 6.850% | Manual Underwriting |  | No | 10.445% |  | 10.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 358856 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/25/2025 | 6.850% | Manual Underwriting |  | No | 9.799% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 13 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 303094 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/04/2025 | 6.730% | Manual Underwriting |  | No | 9.030% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 48.56% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - Wage - 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 2024 - 2024 \|\| Co Borrower - 2 YRS IRS Transcripts Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 306308 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/07/2025 | 6.730% | Manual Underwriting |  | No | 9.343% |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 360737 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/10/2025 | 6.620% | Manual Underwriting |  | No | 9.675% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified | Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 316946 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 50.00% |  | Borrower Prepared | 14 | Borrower | Borrower Prepared | Borrower | 14 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 318088 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/11/2025 | 6.620% | Manual Underwriting |  | No | 9.434% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 366910 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/02/2025 | 6.650% | Manual Underwriting |  | No | 8.815% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment |  |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 2 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - null W2 1099 Verified, Written VOE Verified, Executed 4506T Verified - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 345201 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/03/2025 | 6.730% | Manual Underwriting |  | No | 9.260% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - Business Bank Statements Verified | Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 331688 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/20/2025 | 6.650% | Manual Underwriting |  | No | 9.521% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified - 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 363968 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 49.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | Yes | 84 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 351016 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/06/2025 | 6.740% | Manual Underwriting |  | No | 11.649% |  | 11.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 306543 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/11/2025 | 6.620% | Manual Underwriting |  | No | 11.383% |  | 11.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 96.80% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 345454 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A |  | 03/13/2025 | 6.620% | Manual Underwriting |  | No | 9.287% |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 94.38% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2022, 2023 | Borrower - Executed 4506T Verified - 2024, 2025, 2022, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 321841 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/20/2025 | 6.650% | Manual Underwriting |  | No | 10.577% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 378039 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 69 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 386333 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/13/2025 | 6.310% | Manual Underwriting |  | No | 9.405% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 252 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 324752 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/24/2025 | 6.660% | Manual Underwriting |  | No | 8.751% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 3 | Borrower |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, SECorporation, SECorporation, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), YTD Profit And Loss Verified, Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 399701 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/25/2025 | 6.660% | Manual Underwriting |  | No | 8.987% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 51.00% |  | Third-Party Prepared (Unaudited) | 14 | CPA | Third-Party Prepared (Unaudited) | CPA | 14 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 395767 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/04/2025 | 6.650% | Manual Underwriting |  | No | 9.828% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 25.00% | 25.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 288 | Yes | 288 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), CPA Letter Verified, 1 YR W2 1099 Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), CPA Letter Verified, 1 YR W2 1099 Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - 2024 - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 399840 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/30/2025 | 6.880% | Manual Underwriting |  | No | 9.641% |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 15 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Retirement, Subject Property Net Rental Income(Loss) if NOO - YTD Profit And Loss Verified, Executed 4506T Verified, IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2024, 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 328694 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/25/2025 | 6.810% | Manual Underwriting |  | No | 8.609% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 316424 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/16/2025 | 6.800% | Manual Underwriting |  | No | 10.301% |  | 10.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 319796 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/01/2025 | 6.880% | Manual Underwriting |  | No | 9.451% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXX | XXX | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4**

![](ex994001.jpg)

![](ex994002.jpg)

**EXECUTIVE SUMMARY**

**VSTA 2025-CES2**

**July 7, 2025**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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![](ex994001.jpg)

**TABLE OF CONTENTS**

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| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 16.0 |
| Tape Integrity Review Results Summary | 16.0 |
| Additional Loan Population Summary | 16.0 |

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![](ex994001.jpg)

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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![](ex994001.jpg)

**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Vista Point Mortgage, LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of seventy-five (75) mortgage loans that were originally reviewed from January 2025 to June 2025.

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

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

■ "Compliance Review": 58 <sup>1</sup> Mortgage Loans

■ "Credit Review": 75 Mortgage Loans

■ "Property Review": 48 <sup>2</sup> Mortgage Loans

■ "Data
Integrity": 75 Mortgage Loans

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

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

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

For seventy-five (75) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

<sup>1</sup> Seventeen (17) loans were not subject to a compliance review but are graded A for compliance as they were confirmed to be exempt investor loans with no consumer purpose.

<sup>2</sup> Twenty-seven (27) loans were not subject to a property review and did not receive a property grade.

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

Infinity conducted a credit review for seventy-five (75) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 3 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

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

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

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

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and

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mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

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

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

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

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

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

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

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for ten (10) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

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Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for forty-eight (48) mortgage loans. For these forty-eight (48) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines. Twenty-seven (27) loans were not subject to a property review and did not receive a property grade.

Infinity's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Infinity's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or

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a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

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

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

Infinity completed a Compliance Review on fifty-eight (58) mortgage loans. Seventeen (17) loans were not subject to a compliance review but are graded A for compliance as they were confirmed to be exempt with no consumer purpose. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data

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regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained
the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

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

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the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

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

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

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

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

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

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

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

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

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

<u>Qualified Mortgage</u>

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

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

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a

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![](ex994001.jpg)

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, Infinity then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

<u>General Ability to Repay</u> 

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

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

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

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

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

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

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

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

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

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

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

![](ex994001.jpg)

**(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**

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

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

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

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&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.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, DBRS, Inc. ("DBRS").

**OVERALL RESULTS SUMMARY (75 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers seventy-five (75) mortgage loans. Within those mortgage loans, Infinity graded seventy-five (75) mortgage loans as "A".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;58 | &nbsp;&nbsp;75 | &nbsp;&nbsp;48 | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (75 MORTGAGE LOANS)**

Of the seventy-five (75) mortgage loans reviewed, 0 (0.00%) mortgage loans had tape discrepancies across zero (0) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |

---

**ADDITIONAL LOAN POPULATION SUMMARY (75 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$32392900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$32392900.00** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$32392900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$32392900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;9 | &nbsp;&nbsp;12.00% | &nbsp;&nbsp;$4194300.00 | &nbsp;&nbsp;12.95% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown purpose | &nbsp;&nbsp;65 | &nbsp;&nbsp;86.67% | &nbsp;&nbsp;$27898600.00 | &nbsp;&nbsp;86.13% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.33% | &nbsp;&nbsp;$300000.00 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$32392900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$32392900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$32392900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;57 | &nbsp;&nbsp;76.00% | &nbsp;&nbsp;$25596600.00 | &nbsp;&nbsp;79.02% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.33% | &nbsp;&nbsp;$527000.00 | &nbsp;&nbsp;1.63% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;17 | &nbsp;&nbsp;22.67% | &nbsp;&nbsp;$6269300.00 | &nbsp;&nbsp;19.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$32392900.00** | &nbsp;&nbsp;**100.00%** |

---

**EXHIBIT A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;VPM_Loan_Eligibility_Guidelines_Equity Solutions_20241209.pdf |
| &nbsp;&nbsp;VPM_Loan_Eligibility_Guidelines_Equity Solutions_20250211.pdf |
| &nbsp;&nbsp;VPM_Loan_Eligibility_Guidelines_Equity Solutions_20250311.pdf |

---

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## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 1**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xx | 527472 |  |  | xx A C |
| xx | 552240 |  |  | xx A C |
| xx | 523788 |  |  | xx C A |
| xx | 516621 |  |  | xx C A |
| xx | 523889 |  |  | xx D A |
| xx | 558978 |  |  | xx A |
| xx | 560119 |  |  | xx A NA |
| xx | 584249 |  |  | xx A |
| xx | 568137 |  |  | xx C NA |
| xx | 596114 |  |  | xx A |
| xx | 578843 |  |  | xx A D |
| xx | 526445 |  |  | xx A |
| xx | 590677 |  |  | xx A NA |
| xx | 596435 |  |  | xx A NA |
| xx | 561539 |  |  | xx A D |
| xx | 522850 |  |  | xx C A NA |
| xx | 581681 |  |  | xx A NA |
| xx | 563706 |  |  | xx A |
| xx | 522643 |  |  | xx D A |
| xx | 538120 |  |  | xx A NA D |
| xx | 580021 |  |  | xx C A |
| xx | 567116 |  |  | xx B A NA |
| xx | 520921 |  |  | xx C A |
| xx | 555067 |  |  | xx D A NA |
| xx | 500503 |  |  | xx C A NA D |
| xx | 564202 |  |  | xx D A |
| xx | 557736 |  |  | xx A NA |
| xx | 506187 |  |  | xx D A NA |
| xx | 518932 |  |  | xx A |
| xx | 576080 |  |  | xx A D |
| xx | 554825 |  |  | xx A |
| xx | 511466 |  |  | xx A NA |
| xx | 513865 |  |  | xx D A |
| xx | 541258 |  |  | xx A NA |
| xx | 587560 |  |  | xx A NA |
| xx | 576697 |  |  | xx D A |
| xx | 565780 |  |  | xx A |
| xx | 585646 |  |  | xx C A |
| xx | 515682 |  |  | xx D A |
| xx | 572453 |  |  | xx D A |
| xx | 524001 |  |  | xx A C NA |
| xx | 576430 |  |  | xx A |
| xx | 529887 |  |  | xx D A |
| xx | 514657 |  |  | xx A |
| xx | 508908 |  |  | xx D A NA |
| xx | 558539 |  |  | xx D A |
| xx | 588755 |  |  | xx A |
| xx | 561209 |  |  | xx D C A |
| xx | 511487 |  |  | xx A NA |
| xx | 556456 |  |  | xx A NA |
| xx | 548978 |  |  | xx A |
| xx | 561513 |  |  | xx A NA |
| xx | 565140 |  |  | xx D A |
| xx | 517991 |  |  | xx D NA |
| xx | 587693 |  |  | xx A |
| xx | 510982 |  |  | xx A C NA |
| xx | 558040 |  |  | xx A |
| xx | 572956 |  |  | xx D A |
| xx | 553606 |  |  | xx A |
| xx | 562866 |  |  | xx D C A |
| xx | 575849 |  |  | xx D A |
| xx | 534130 |  |  | xx A |
| xx | 544698 |  |  | xx A |
| xx | 508009 |  |  | xx A |
| xx | 527606 |  |  | xx C A |
| xx | 589572 |  |  | xx A NA |
| xx | 542970 |  |  | xx A |
| xx | 506349 |  |  | xx A |
| xx | 500995 |  |  | xx A |
| xx | 548745 |  |  | xx D A |
| xx | 595850 |  |  | xx A NA |
| xx | 558186 |  |  | xx D A NA |
| xx | 536219 |  |  | xx A NA |
| xx | 554670 |  |  | xx D A |
| xx | 515511 |  |  | xx A C NA |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy 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** |
| xx | 527472 |  | C A | Closed | finding-3634 | 2025-01-30 13:13 | 2025-03-06 14:36 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Resolved 03/06/2025: Received PCCD with refund check amount $717.64 and exception was cleared. - Due Diligence Vendor-03/06/2025 <br> Resolved- - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. - Seller-03/04/2025 <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 $717.64.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 12/20/2024 Points and Loan Discount point fee is $0, Final CD dated 01/21/2025 Points and Loan Discount point fee is $717.64 fee increased $717.64 need valid COC or Cure. - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. - Seller-03/04/2025<br>| Resolved-Resolved 03/06/2025: Received PCCD with refund check amount $717.64 and exception was cleared. - Due Diligence Vendor-03/06/2025 <br>Resolved- - Due Diligence Vendor-03/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.76 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 7.13% 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 - 5.27 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3318580 |
| xx | 552240 |  | C A | Closed | finding-3622 | 2025-03-06 15:00 | 2025-03-06 15:08 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Reason for Redisclosure Validation Test | Resolved-Resolved 03/06/2025: Received PCCD dated 03/05/2025 and exception was cleared. - Due Diligence Vendor-03/06/2025 <br>Resolved- - Due Diligence Vendor-03/06/2025 <br>Open-This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. - Due Diligence Vendor-03/06/2025 |  | Resolved-Resolved 03/06/2025: Received PCCD dated 03/05/2025 and exception was cleared. - Due Diligence Vendor-03/06/2025 <br>Resolved- - Due Diligence Vendor-03/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.81 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 40.52% 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 - 23.72 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.0 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 - 23.73 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3548718 |
| xx | 552240 |  | C A | Closed | finding-3634 | 2025-01-24 05:06 | 2025-03-06 15:06 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/06/2025 <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 $1,200.00.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). \*\*\*Initial LE dated 12/13/2024 reflects Transfer tax Fee $2100 however, Final CD dated 01/14/2025 reflects the Transfer Tax Fee $3300 The fee ($1200) has been increased for Transfer tax Fee which exceeds the 0% tolerance. Require valid COC or cure amount of $1200. - Due Diligence Vendor-01/24/2025 | Resolved 03/06/2025: Received PCCD with refund check amount $1200.00 and exception was cleared. - 03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/06/2025<br>| Resolved- - Due Diligence Vendor-03/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.81 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 40.52% 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 - 23.72 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.0 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 - 23.73 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3273628 |
| xx | 523788 |  | C A | Closed | FCRE1193 | 2025-03-11 10:35 | 2025-03-13 20:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.99% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/14/2025 <br>Resolved-Audited DTI of 49.99% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/13/2025 <br>Open-Audited DTI of 50.06% exceeds Guideline DTI of 50% Audited DTI of 50.06% exceeds Guideline Max DTI of 50% - Due Diligence Vendor-03/11/2025 |  | Resolved-Audited DTI of 49.99% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/14/2025 <br>Resolved-Audited DTI of 49.99% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/13/2025<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 - 15.46 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 - 15.46 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.92 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3580552 |
| xx | 523788 |  | C A | Closed | FPRO1508 | 2025-03-11 10:34 | 2025-03-13 20:26 | Resolved | 1 - Information C A | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Resolved-Resolved-03/13/2025- Appraisal shows property has tankless water heater, so not required condition. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. Appraisal shows property has tankless water heater so this condition should not apply. Please clear condition - Seller-03/13/2025 <br> Open-Water heater is not double strapped. xx law requires each water heater to be double strapped. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. Appraisal shows property has tankless water heater so this condition should not apply. Please clear condition - Seller-03/13/2025<br>| Resolved-Resolved-03/13/2025- Appraisal shows property has tankless water heater, so not required condition. - Due Diligence Vendor-03/14/2025<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 - 15.46 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 - 15.46 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.92 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3580533 |
| xx | 516621 |  | C A | Closed | FCRE1169 | 2025-02-07 09:29 | 2025-02-20 19:52 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Resolved-02/20/2025-The PCCD shows the disbursement date as xx. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-The PCCD shows the disbursement date as xx. The FSS shows interest from 2/4/25. This is showing loan funded after the effective date of Flood Insurance. Please reconsider. - Seller-02/20/2025 <br> Counter-Not Resolved - 02/19/2025 Flood Insurance The Effective Date of xx is after the Note Date of xx, however the settlement statement and PCCD document received do not show the effective date.<br> - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. - Seller-02/18/2025 <br> Open-Flood Insurance Effective Date of xx is after the Note Date of xx Flood Insurance Effective Date of xx is after the Note Date of xx - Due Diligence Vendor-02/14/2025 <br> Open-Flood Insurance Effective Date of xx is after the Note Date of xx Updated as per Flood Insurance document. - Due Diligence Vendor-02/07/2025 | Ready for Review-The PCCD shows the disbursement date as xx. The FSS shows interest from 2/4/25. This is showing loan funded after the effective date of Flood Insurance. Please reconsider. - Seller-02/20/2025 <br> Ready for Review-Document Uploaded. - Seller-02/18/2025 | Resolved-Resolved-02/20/2025-The PCCD shows the disbursement date as xx. - Due Diligence Vendor-02/21/2025 | 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 - 11.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.38 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 - 9.5 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.63% 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 - 11.88 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 3374335 |
| xx | 516621 |  | C A | Closed | FCRE1159 | 2025-02-07 09:29 | 2025-02-14 18:13 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Resolved-02/14/2025-Hazard Insurance document received. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. - Seller-02/13/2025 <br> Open-Hazard Insurance Effective Date of xx is after the Disbursement Date of xx Updated Hazard Insurance Effective Date and Disbursement Date as per Documents in the file. - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. - Seller-02/13/2025<br>| Resolved-Resolved-02/14/2025-Hazard Insurance document received. - Due Diligence Vendor-02/14/2025<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 - 11.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.38 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 - 9.5 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.63% 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 - 11.88 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 3374336 |
| xx | 523889 |  | D A | Closed | FCRE1814 | 2025-04-02 11:02 | 2025-04-03 18:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Resolve-04/03/2025-Operating Agreement/equivalent and EIN document received. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Certificate of good standing, and/or evidence & LLC document for xx - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-Resolve-04/03/2025-Operating Agreement/equivalent and EIN document received. - Due Diligence Vendor-04/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 3751668 |
| xx | 523889 |  | D A | Closed | FCRE1182 | 2025-03-31 19:31 | 2025-04-03 18:21 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Resolve-04/03/2025- 1008 document received. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-Resolve-04/03/2025- 1008 document received. - Due Diligence Vendor-04/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 3735878 |
| xx | 523889 |  | D A | Closed | FCRE1254 | 2025-04-02 10:41 | 2025-04-03 10:37 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/03/2025 <br>Open-Property Title Issue Properties owned is less than 6 months hence it is ineligible. As per Guideline Cash-out Seasoning with in 6 months is not acceptable. - Due Diligence Vendor-04/02/2025 |  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 3751337 |
| xx | 558978 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 560119 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 584249 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| xx | 568137 |  | C A | Closed | finding-47 | 2025-02-26 17:32 | 2025-03-05 15:17 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 03/05/2025: Received PCCD with funding date xx and exception was cleared. - Due Diligence Vendor-03/05/2025 <br> Resolved- - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. - Seller-03/04/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*The Final CD shows a funding date of xx - 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-02/27/2025 | Ready for Review-Document Uploaded. - Seller-03/04/2025<br>| Resolved-Resolved 03/05/2025: Received PCCD with funding date xx and exception was cleared. - Due Diligence Vendor-03/05/2025 <br> Resolved- - Due Diligence Vendor-03/05/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.73 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 - 11.67 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 - 20 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3488569 |
| xx | 568137 |  | C A | Closed | FCRE1199 | 2025-02-26 16:50 | 2025-02-28 20:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-As per Latest second Line guideline maximum loan amount is xx. - Due Diligence Vendor-03/01/2025 <br> Ready for Review-Please see most recent update to matrix for VPM, loan amounts are now higher. - Seller-02/27/2025 <br> Open-Audited Loan Amount of xx is greater than the Guideline Maximum Loan Amount of $600000 - Due Diligence Vendor-02/26/2025 | Ready for Review-Please see most recent update to matrix for VPM, loan amounts are now higher. - Seller-02/27/2025<br>| Resolved-As per Latest second Line guideline maximum loan amount is $750,000. - Due Diligence Vendor-03/01/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.73 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 - 11.67 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 - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3488315 |
| xx | 596114 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 578843 |  | D A | Closed | FPRO4876 | 2025-03-12 13:56 | 2025-03-14 20:12 | Cured | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Cured-The appraisal documents no comments indicating whether the property is good or damaged, however the property county is "xx". - Due Diligence Vendor-03/15/2025 <br> Ready for Review-Appraisal was done xx after disaster end date. Please clear condition. - Seller-03/13/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-03/12/2025 | Ready for Review-Appraisal was done xx after disaster end date. Please clear condition. - Seller-03/13/2025 | Cured-The appraisal documents no comments indicating whether the property is good or damaged, however the property county is "xx". - Due Diligence Vendor-03/15/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.25 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 - 43.70 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 - 43.71 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 17.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3593959 |
| xx | 526445 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| xx | 590677 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| xx | 596435 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 561539 |  | D A | Closed | FPRO4876 | 2025-02-19 10:21 | 2025-02-20 20:04 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Resolved-02/20/2025-Post Disaster Inspection document received property is not damage. - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. - Seller-02/20/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. - Seller-02/20/2025<br>| Resolved-Resolved-02/20/2025-Post Disaster Inspection document received property is not damage. - Due Diligence Vendor-02/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3446003 |
| xx | 522850 |  | C A | Closed | FCRE1441 | 2025-02-24 09:27 | 2025-02-24 21:46 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Resolved-02/24/2025- First mortgage is more than 6 months showing in credit report. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-The Credit report is showing xx National Mtg loan was paid off 11/24 and rated for 7 months prior to current 1st Note provided. - Seller-02/24/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Cash-out Refinance & minimum 6 months current senior lien reporting on credit report is missing & 6 months ownership seasoning ineligible for refinance. - Due Diligence Vendor-02/24/2025 | Ready for Review-The Credit report is showing xx National Mtg loan was paid off 11/24 and rated for 7 months prior to current 1st Note provided. - Seller-02/24/2025 | Resolved-Resolved-02/24/2025- First mortgage is more than 6 months showing in credit report. - Due Diligence Vendor-02/25/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.18% 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 - 16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.14 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 - 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 - 9.72 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3468210 |
| xx | 581681 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 563706 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 522643 |  | D A | Closed | FCRE7551 | 2025-03-26 09:15 | 2025-04-11 19:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Divorce Decree is missing | Resolved-Resolved-04/11/2025- Divorce decree document received, where showing $10,000. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/10/2025 <br> Open-Final 1003 Reflects Child Support as $10,000 & proof is not evident . Require supporting proof (Divorce decree) for the Child support of $10,000 - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-04/10/2025<br>| Resolved-Resolved-04/11/2025- Divorce decree document received, where showing $10,000. - Due Diligence Vendor-04/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 17.73 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 - 20 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 - 9.22 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 |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3697087 |
| xx | 522643 |  | D A | Closed | FCRE1199 | 2025-03-25 16:18 | 2025-04-03 17:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Resolve-04/03/2025: They received a new guideline that states that a maximum loan amount of $750,000 is allowed to be used. - Due Diligence Vendor-04/03/2025 <br> Counter-Not Resolved-03/28/2025- The application was submitted on xx, however the new guidelines were received on 03/11/2025. - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Please update to use updated VPM guides allowing $750K - Seller-03/27/2025 <br> Open-Audited Loan Amount of xx is greater than the Guideline Maximum Loan Amount of $600000 - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Please update to use updated VPM guides allowing $750K - Seller-03/27/2025<br>| Resolved-Resolve-04/03/2025: They received a new guideline that states that a maximum loan amount of $750,000 is allowed to be used. - Due Diligence Vendor-04/03/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 17.73 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 - 20 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 - 9.22 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 |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3693039 |
| xx | 522643 |  | D A | Closed | FCRE1158 | 2025-03-26 08:35 | 2025-04-03 16:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved 04/03/2025- Hazard insurance document received , whereas showing mortgage clause. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. Hazard ins w/1st and 2nd mortgagee clause attached. Please clear conditon. - Seller-04/03/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Hazard ins w/1st and 2nd mortgagee clause attached. Please clear conditon. - Seller-04/03/2025 | Resolved-Resolved 04/03/2025- Hazard insurance document received , whereas showing mortgage clause. - Due Diligence Vendor-04/03/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 17.73 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 - 20 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 - 9.22 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 |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3696748 |
| xx | 538120 |  | D A | Closed | FPRO4876 | 2025-02-28 12:35 | 2025-03-06 14:00 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Resolved-03/06/2025-1004D received, property is not effected. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. Disaster ended 1/31/25 per attached disaster report. 1004D was completed xx for subject to items on appraisal and although it doesn't address fires the photos clearly show property was not affected. Can this be used to clear this condition? Thank you for your consideration. - Seller-03/05/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. Disaster ended 1/31/25 per attached disaster report. 1004D was completed xx for subject to items on appraisal and although it doesn't address fires the photos clearly show property was not affected. Can this be used to clear this condition? Thank you for your consideration. - Seller-03/05/2025 | Resolved-Resolved-03/06/2025-1004D received, property is not effected. - Due Diligence Vendor-03/06/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 - 27.92 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 - 11.15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.12 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 42.16% 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 744 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 - 11.16 Years |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 3503297 |
| xx | 580021 |  | C A | Closed | FCRE1182 | 2025-03-21 16:29 | 2025-03-24 13:20 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/24/2025 <br> Resolved-Resolved 03/24/2025: Received 1008 document with interest rate of 8.500% and exception was cleared. - Due Diligence Vendor-03/24/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-03/24/2025 <br> Open-Kindly provide 1008 with rate of 8.5% to match Final Loan Approval, and reflecting the 2/28/2025 redrawn loan document/ Note Rate. Thank you. - Due Diligence Vendor-03/21/2025 <br> Open- - Due Diligence Vendor-03/21/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/24/2025 <br> Resolved-Resolved 03/24/2025: Received 1008 document with interest rate of 8.500% and exception was cleared. - Due Diligence Vendor-03/24/2025 | 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> 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 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 - 5.08 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 42.62% 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 - 5.0 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3672268 |
| xx | 580021 |  | C A | Closed | FCRE1199 | 2025-03-12 15:49 | 2025-03-24 13:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount of xx is less than or equal to the Guideline Maximum Loan Amount of $750000 - Due Diligence Vendor-03/24/2025 <br> Resolved-Received New guideline where the max loan amount is $750000 Received New guideline. - Due Diligence Vendor-03/15/2025 <br> Ready for Review-Document Uploaded. Please refer to updated Matrix for this program :) - Seller-03/14/2025 <br> Open-Audited Loan Amount of xx is greater than the Guideline Maximum Loan Amount of $600000 The maximum loan amount allowed by guidelines is $600,000; however, the loan amount of xx does not meet the requirements. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. Please refer to updated Matrix for this program :) - Seller-03/14/2025<br>| Resolved-Audited Loan Amount of xx is less than or equal to the Guideline Maximum Loan Amount of $750000 - Due Diligence Vendor-03/24/2025 <br> Resolved-Received New guideline where the max loan amount is $750000 Received New guideline. - Due Diligence Vendor-03/15/2025 | 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> 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 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 - 5.08 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 42.62% 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 - 5.0 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3595650 |
| xx | 580021 |  | C A | Closed | FCRE1320 | 2025-03-13 07:56 | 2025-03-14 20:22 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Resolved-Borrower Qualify with 1 year full doc. - Due Diligence Vendor-03/15/2025 <br> Ready for Review-This is a 12 mo full doc loan not 24 mo and loan priced accordingly. Please clear condition. - Seller-03/14/2025 <br> Open-Borrower 1 Personal Tax Returns Less Than 24 Months Provided Borrower qualified income from 1 year tax Returns - Due Diligence Vendor-03/13/2025 | Ready for Review-This is a 12 mo full doc loan not 24 mo and loan priced accordingly. Please clear condition. - Seller-03/14/2025 | Resolved-Borrower Qualify with 1 year full doc. - Due Diligence Vendor-03/15/2025<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> 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 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 - 5.08 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 42.62% 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 - 5.0 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3600285 |
| xx | 567116 |  | B A | Closed | FCRE1183 | 2025-04-28 13:45 | 2025-04-28 21:10 | 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-04/29/2025 <br> Ready for Review-Document Uploaded. Corrected 1008 attached. Please clear condition - Seller-04/28/2025 <br> Open-1008/Underwriting Summary Partially Provided Final 1008 Loan amount doesn't match the note amount . - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Corrected 1008 attached. Please clear condition - Seller-04/28/2025 | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/29/2025<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 - 7.70 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.38 Are Greater Than The Guideline Minimum Of 0 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 - 8.54 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3982307 |
| xx | 520921 |  | C A | Closed | FCRE1359 | 2025-04-07 11:41 | 2025-04-07 21:15 | Resolved | 1 - Information C A | Credit | Income | Borrower 2 W2/1099 Less Than 24 Months Provided | Resolved-Resolve-04/07/2025- According to guideline 1 year P&L is sufficient. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. B1 is documented under P&L 1 yr only program and guidelines 8.8.3 from Alt-Doc: P&L Requirements and Documentation indicates "Income from co-borrowers who are W2 wage earners is to be documented w/most recent W2 and Paystub". Please clear condition. - Seller-04/08/2025 <br> Open-Borrower 2 W2/1099 Less Than 24 Months Provided . - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. B1 is documented under P&L 1 yr only program and guidelines 8.8.3 from Alt-Doc: P&L Requirements and Documentation indicates "Income from co-borrowers who are W2 wage earners is to be documented w/most recent W2 and Paystub". Please clear condition. - Seller-04/08/2025 | Resolved-Resolve-04/07/2025- According to guideline 1 year P&L is sufficient. - Due Diligence Vendor-04/08/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.81% 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 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 - 10.06 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.28 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 0.1<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 - 10.07 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3796073 |
| xx | 555067 |  | D A | Closed | FCRE1193 | 2025-02-28 18:56 | 2025-03-06 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Resolved-03/06/2025- Document received, capital one payment going to paid off. - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. xx documentation in file showing Business pays from business account ending xx with xx and xx printout coincides with xx printout payment dates and amounts. Credit only shows 12 digits of 16 digit credit card number but credit does show it's a business account and only one borrower has. xx documentation only shows last 4 digits acct ending xx which is not showing on credit report. Please clear condition. - Seller-03/05/2025 <br> Open-Audited DTI of 51.75% exceeds Guideline DTI of 50% provide documentation to evidence the exclusion of xx #xx as the it does not appear to be paid off at closing nor does it appear to be paid by a third party. The 1008 does not include this in the DTI. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. xx documentation in file showing Business pays from business account ending xx with xx and xx printout coincides with xx printout payment dates and amounts. Credit only shows 12 digits of 16 digit credit card number but credit does show it's a business account and only one borrower has. xx documentation only shows last 4 digits acct ending xx which is not showing on credit report. Please clear condition. - Seller-03/05/2025 | Resolved-Resolved-03/06/2025- Document received, xx payment going to paid off. - Due Diligence Vendor-03/06/2025 | 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 - 11.91 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 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 - 11.91 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 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3507460 |
| xx | 555067 |  | D A | Closed | FCRE2109 | 2025-02-28 18:17 | 2025-03-05 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Resolved-03/05/2025-Lender Worksheets received. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. Income worksheet attached - Seller-03/05/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. Income worksheet attached - Seller-03/05/2025<br>| Resolved-Resolved-03/05/2025-Lender Worksheets received. - Due Diligence Vendor-03/05/2025 | 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 - 11.91 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 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 - 11.91 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 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3507352 |
| xx | 555067 |  | D A | Closed | FCRE1202 | 2025-02-28 15:41 | 2025-03-05 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Resolved-03/05/2025-Fraud report document received. - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. Complete Fraud report attached - Seller-03/05/2025 <br> Open-Third Party Fraud Report Partially Provided Third Party Fraud Report missing in the loan package. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. Complete Fraud report attached - Seller-03/05/2025<br>| Resolved-Resolved-03/05/2025-Fraud report document received. - Due Diligence Vendor-03/05/2025<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 - 11.91 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 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 - 11.91 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 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3505960 |
| xx | 500503 |  | D A C | Closed | FPRO1508 | 2025-03-13 09:03 | 2025-03-19 21:38 | Resolved | 1 - Information C A | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Resolved-Resolved-03/19/2025-1040D document received where showing the photo "Smoke and carbon monoxide detectors". - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. 1004D attached - Seller-03/19/2025 <br> Open-Provide final inspection from appraiser confirming the presence of Carbon Monoxide detectors installed in all bedroom's. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. 1004D attached - Seller-03/19/2025<br>| Resolved-Resolved-03/19/2025-1040D document received where showing the photo "Smoke and carbon monoxide detectors". - Due Diligence Vendor-03/20/2025<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 0.21<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.06 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 38.87% 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 - Borrower At Current Residence For Five (5) Or More Years - 30 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 720 By Twenty (20) or More Points |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3600837 |
| xx | 500503 |  | D A C | Closed | FPRO4876 | 2025-03-12 16:50 | 2025-03-17 22:54 | Cured | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Cured-Appraisal was done on xx following the disaster accident, but there are no remarks indicating that the property was not damaged or affected by the disaster. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. Appraisal was completed xx after disaster - Seller-03/14/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. Appraisal was completed xx after disaster - Seller-03/14/2025 | Cured-Appraisal was done on xx following the disaster accident, but there are no remarks indicating that the property was not damaged or affected by the disaster. - Due Diligence Vendor-03/18/2025 | 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.06 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 38.87% 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 - Borrower At Current Residence For Five (5) Or More Years - 30 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 720 By Twenty (20) or More Points |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3596358 |
| xx | 500503 |  | D A C | Closed | FCRE1196 | 2025-03-12 17:16 | 2025-03-17 22:44 | Cured | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Cured-Not Resolved: The application date is xx, and the closing date is xx; however, new guideline received, which date is 03/11/2025, so the condition not resolved. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Please see matrix attached to other condtion - Seller-03/14/2025 <br> Open-Audited HCLTV of xx exceeds Guideline HCLTV of 80% Audited HCLTV of xx exceeds Guideline HCLTV of 80% - Due Diligence Vendor-03/12/2025 | Ready for Review-Please see matrix attached to other condtion - Seller-03/14/2025<br>| Cured-Not Resolved: The application date is xx, and the closing date is xx; however, new guideline received, which date is 03/11/2025, so the condition not resolved. - Due Diligence Vendor-03/18/2025 | 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.06 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 38.87% 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 - Borrower At Current Residence For Five (5) Or More Years - 30 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 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3596657 |
| xx | 500503 |  | D A C | Closed | FCRE1195 | 2025-03-12 17:16 | 2025-03-17 22:43 | Cured | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Cured-Not Resolved: The application date is xx, and the closing date is xx; however, new guideline received, which date is 03/11/2025, so the condition not resolved. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. Please see updated VPM matrix for CLTV - Seller-03/14/2025 <br> Open-Audited CLTV of xx exceeds Guideline CLTV of 80% Audited CLTV of xx exceeds Guideline CLTV of 80% - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. Please see updated VPM matrix for CLTV - Seller-03/14/2025<br>| Cured-Not Resolved: The application date is xx, and the closing date is xx; however, new guideline received, which date is 03/11/2025, so the condition not resolved. - Due Diligence Vendor-03/18/2025 | 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.06 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 38.87% 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 - Borrower At Current Residence For Five (5) Or More Years - 30 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 720 By Twenty (20) or More Points |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3596650 |
| xx | 564202 |  | D A | Closed | FCRE3653 | 2025-04-10 10:34 | 2025-04-11 13:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Resolved-04/11/2025- Credit Supplement and Lox document received. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/11/2025 <br> Open-Require supporting proof for confirm the xx Installement#xx debt reflecting payment as $373.23 - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Resolved-04/11/2025- Credit Supplement and Lox document received. - Due Diligence Vendor-04/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.95% 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 - 15.05 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 - 15.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3827355 |
| xx | 557736 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NV | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 506187 |  | D A | Closed | FCRE1503 | 2025-03-07 04:52 | 2025-03-13 20:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved-03/13/2025- Final CD reconceived for property "xx" we funded so used CD for P&I payment. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. CD on xx as they were in middle of transaction when we funded so used CD for P&I payment. Please clear condition. - Seller-03/13/2025 <br> Open-Mortgage statement missing for primary residence "xx" - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. CD on xx as they were in middle of transaction when we funded so used CD for P&I payment. Please clear condition. - Seller-03/13/2025 | Resolved-Resolved-03/13/2025- Final CD reconceived for property "xx" we funded so used CD for P&I payment. - Due Diligence Vendor-03/14/2025 | 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 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 - 9.97 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.13 Are Greater Than The Guideline Minimum Of 0 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 - 9.17 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 795 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 3552453 |
| xx | 518932 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 576080 |  | D A | Closed | FCOM8888 | 2025-04-21 09:09 | 2025-04-21 19:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Resolved 4/21/2025: Received Final Settlement Statement and exception was cleared. - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Open-Final closing disclosure or settlement statement is missing. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Resolved 4/21/2025: Received Final Settlement Statement and exception was cleared. - Due Diligence Vendor-04/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.81% 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 796 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 0.05<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 - 18.80 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 Years |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | WA | Investment | Refinance | Cash Out - Other | N/A | N/A | 3912905 |
| xx | 554825 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 511466 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 513865 |  | D A | Closed | FCRE1503 | 2025-03-12 16:28 | 2025-03-18 03:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Document received for the new loan#xx - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. Concurrent closing, please see attached - Seller-03/17/2025 <br> Open-Mortgage Statement is Missing for the New Loan #xx Taken for Subject Property & In credit report also not reflected to Consider P&I Amount in Title Screen and UW Updated as per Final 1003 Monthly Payment and Unpaid Balance to calculate LTV & CLTV. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. Concurrent closing, please see attached - Seller-03/17/2025<br>| Resolved-Document received for the new loan#xx - Due Diligence Vendor-03/18/2025 | 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 - 26.22 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> 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 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 - 26.21 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.52% 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 - 21.83 Years<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 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3596140 |
| xx | 541258 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| xx | 587560 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| xx | 576697 |  | D A | Closed | FCRE1814 | 2025-04-18 10:04 | 2025-04-21 19:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Resolved-04/21/2025-Good standing document received. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Counter-Not Resolved-04/18/2025- According to guideline Certificate of good standing document is required, however the good standing document not received. - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/18/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Entity Documents, Good standing & Formation document is missing for xx<br> - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Ready for Review-Document Uploaded. - Seller-04/18/2025<br>| Resolved-Resolved-04/21/2025-Good standing document received. - Due Diligence Vendor-04/21/2025<br>| 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 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 57.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 3900369 |
| xx | 565780 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| xx | 585646 |  | C A | Closed | FCRE1254 | 2025-04-21 11:35 | 2025-04-21 19:18 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Resolved-04/21/2025- Grant deed document received. - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Open-Property Title Issue Borrower Name doesn't match the title vesting . Title vesting is on Non borrower Name but DOT is on LLC . Need Quit claim deed or warranty Deed . - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Resolved-04/21/2025- Grant deed document received. - Due Diligence Vendor-04/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.03 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 770 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 3915032 |
| xx | 515682 |  | D A | Closed | FCRE1158 | 2025-04-15 15:21 | 2025-04-18 17:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-04/18/2025- HOI document received with mortgage clause.<br> - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Hazard insurance with both 1st and 2nd attached. Please clear condition. - Seller-04/18/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. Hazard insurance with both 1st and 2nd attached. Please clear condition. - Seller-04/18/2025<br>| Resolved-Resolved-04/18/2025- HOI document received with mortgage clause.<br> - Due Diligence Vendor-04/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.72 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 xx 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 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 3871309 |
| xx | 572453 |  | D A | Closed | FCRE1158 | 2025-04-24 14:07 | 2025-05-01 21:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-05/01/2025- First lien HOI document received. - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. HOI with 1st and 2nd attached. Please clear condition - Seller-05/01/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as 2nd Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. HOI with 1st and 2nd attached. Please clear condition - Seller-05/01/2025<br>| Resolved-Resolved-05/01/2025- First lien HOI document received. - Due Diligence Vendor-05/02/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 7.62 Are Greater Than The Guideline Minimum Of 0 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 - 5.30 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 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.61% 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 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 - 8.16 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3953892 |
| xx | 524001 |  | C A | Closed | FCOM4227 | 2025-04-01 15:05 | 2025-04-09 09:15 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 04/09/2025: Received Initial Closing Disclosure and exception is cleared. - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open- Missing Initial Closing Disclosure<br> - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Resolved 04/09/2025: Received Initial Closing Disclosure and exception is cleared. - Due Diligence Vendor-04/09/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 791 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 - 15.24 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.04 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 0.02<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 - 15.24 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3744896 |
| xx | 524001 |  | C A | Closed | FCOM1797 | 2025-04-01 15:07 | 2025-04-09 09:14 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Resolved 04/09/2025: Received Settlement Service Provider List and exception is cleared. - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open-Service Provider List is Missing - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Resolved 04/09/2025: Received Settlement Service Provider List and exception is cleared. - Due Diligence Vendor-04/09/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 791 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 - 15.24 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.04 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 0.02<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 - 15.24 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3744922 |
| xx | 576430 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | NH | Investment | Refinance | Cash Out - Other |  |  |  |
| xx | 529887 |  | D A | Closed | FCRE1158 | 2025-04-01 07:41 | 2025-04-29 21:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-04/29/2025- First lien HOI document received. - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. Insurance with 1st and 2nd attached. Insurance coverage shows changed and insurance premium so corrected 1008 and 1003 to show correct PITIA. Please clear condition. - Seller-04/29/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with xx which is not reflected. Both mortgagee clause needs to be evident on second Mortgage loan - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. Insurance with 1st and 2nd attached. Insurance coverage shows changed and insurance premium so corrected 1008 and 1003 to show correct PITIA. Please clear condition. - Seller-04/29/2025<br>| Resolved-Resolved-04/29/2025- First lien HOI document received. - Due Diligence Vendor-04/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 56.11 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 - 8.61 Years<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 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 9.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3738909 |
| xx | 529887 |  | D A | Closed | FCOM3957 | 2025-04-02 15:56 | 2025-04-03 18:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved- - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Resolved 04/03/2025 : Received Initial Loan Estimates and exception cleared. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Open-Loan application date is xx, within three business days Initial Loan Estimate is missing in loan file. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>|  | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 56.11 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 - 8.61 Years<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 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 9.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3755908 |
| xx | 529887 |  | D A | Closed | FCOM2630 | 2025-03-31 05:52 | 2025-04-03 18:52 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Resolved 04/03/2025: Received Right To Choose Attorney or Attorney Preference document and exception cleared. - Due Diligence Vendor-04/03/2025 <br>Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-Resolved 04/03/2025: Received Right To Choose Attorney or Attorney Preference document and exception cleared. - Due Diligence Vendor-04/03/2025 <br>Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-04/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 56.11 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 - 8.61 Years<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 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 9.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3727745 |
| xx | 529887 |  | D A | Closed | FCOM1266 | 2025-03-31 05:52 | 2025-04-03 18:45 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Resolved 04/03/2025: Received Homeownership Counseling Disclosure and exception cleared. - Due Diligence Vendor-04/03/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-Resolved 04/03/2025: Received Homeownership Counseling Disclosure and exception cleared. - Due Diligence Vendor-04/03/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 56.11 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 - 8.61 Years<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 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 9.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3727744 |
| xx | 529887 |  | D A | Closed | FCOM1080 | 2025-03-31 05:54 | 2025-04-03 18:45 | Resolved | 1 - Information C A | Compliance | TRID | Service provider list not provided within 3 days of application | Resolved-Resolved 04/03/2025 : Received Settlement Service Provider List and exception cleared. - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Open-Application Date is xx, Service Provider List is not provided within 3 business days of application.<br> - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-Resolved 04/03/2025 : Received Settlement Service Provider List and exception cleared. - Due Diligence Vendor-04/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 56.11 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 - 8.61 Years<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 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 9.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3727760 |
| xx | 514657 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| xx | 508908 |  | D A | Closed | FCRE1158 | 2025-04-21 15:08 | 2025-04-24 20:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-04/24/2025- First lien HOI document received. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Proof of insurance with 1st and 2nd attached. Please clear condition. - Seller-04/23/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx Mortgage which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Proof of insurance with 1st and 2nd attached. Please clear condition. - Seller-04/23/2025<br>| Resolved-Resolved-04/24/2025- First lien HOI document received. - Due Diligence Vendor-04/25/2025<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 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 - 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 - 13.21 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | GA | Second Home | Refinance | Cash Out - Other | N/A | N/A | 3918423 |
| xx | 558539 |  | D A | Closed | FCRE1158 | 2025-04-16 18:45 | 2025-04-24 20:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-04/24/2025- First lien HOI document received. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. Proof of insurance w/1st and 2nd indicated is attached. Please clear condition. - Seller-04/23/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard Insurance Policy Partially Provided. Missing required 1st lien mortgagee clause on hazard policy. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Proof of insurance w/1st and 2nd indicated is attached. Please clear condition. - Seller-04/23/2025<br>| Resolved-Resolved-04/24/2025- First lien HOI document received. - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 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 - 9.68 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 - 9.68 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 3884766 |
| xx | 588755 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 561209 |  | D A C | Closed | finding-47 | 2025-04-04 18:04 | 2025-04-09 08:50 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 04/09/2025: Received PCCD with funding date 04/02/2025 and exception is cleared. - Due Diligence Vendor-04/09/2025 <br> Resolved- - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*The Final CD shows a funding date of xx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Resolved 04/09/2025: Received PCCD with funding date xx and exception is cleared. - Due Diligence Vendor-04/09/2025 <br> Resolved- - Due Diligence Vendor-04/09/2025 | 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 14.87 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 - 25.83 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 - 26.08 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 0.05<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 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 - 15.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 60% By Ten Percent (10%) or More |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3789821 |
| xx | 561209 |  | D A C | Closed | FCRE1503 | 2025-04-04 14:11 | 2025-04-08 19:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolve-04/08/2025- Note and First payment letter is received. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 <br> Open-Mortgage Statement is not provided for Subject Property. As it is mentioned in 1008 UW as taken UPB & P&I Amount from Final 1003 to Calculate LTV/CLTV and DTI. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Resolve-04/08/2025- Note and First payment letter is received. - Due Diligence Vendor-04/08/2025<br>| 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 14.87 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 - 25.83 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 - 26.08 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 0.05<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 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 - 15.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 60% By Ten Percent (10%) or More |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3787191 |
| xx | 561209 |  | D A C | Closed | FCRE9814 | 2025-04-04 14:34 | 2025-04-08 19:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Resolve-04/08/2025-Trust document received. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Open-Borrower Signed as Trustee, But Trust Document is not Provided to verify - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Resolve-04/08/2025-Trust document received. - Due Diligence Vendor-04/08/2025<br>| 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 14.87 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 - 25.83 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 - 26.08 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 0.05<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 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 - 15.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 60% By Ten Percent (10%) or More |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3787517 |
| xx | 511487 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 556456 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| xx | 548978 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| xx | 561513 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 565140 |  | D A | Closed | FCRE1158 | 2025-04-23 10:03 | 2025-04-28 21:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-04/28/2025- First lien HOI document received. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Insurance with 1st and 2nd indicated - Seller-04/28/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Insurance with 1st and 2nd indicated - Seller-04/28/2025<br>| Resolved-Resolved-04/28/2025- First lien HOI document received. - Due Diligence Vendor-04/29/2025<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 - 8.02 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 - 10.30 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 - 10.30 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 0.13<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 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 - 5.75 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 64.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3936969 |
| xx | 517991 |  | D A | Closed | FCRE1255 | 2025-05-06 12:15 | 2025-05-08 12:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Other Property Insurance Policy Missing | Resolved-Resolved-05/08/2026- HOI document received with premium for this property #xx. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Here is the HOI for this property, I'm not sure what Supplement you are requesting? - Seller-05/07/2025 <br> Open-HOI supplement Insurance premium amount of $2,826 for the property "xx" is missing. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Here is the HOI for this property, I'm not sure what Supplement you are requesting? - Seller-05/07/2025<br>| Resolved-Resolved-05/08/2026- HOI document received with premium for this property #xx. - Due Diligence Vendor-05/08/2025 | 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 - 13.13 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 - 13.13 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.66 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.42% 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 44.43 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 xx 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 790 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4057746 |
| xx | 517991 |  | D A | Closed | FCRE1159 | 2025-05-06 16:18 | 2025-05-08 12:13 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Resolved-05/08/2026- PCCD received disbursement date is xx. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-Hazard Insurance Effective Date of xx is after the Disbursement Date of xx . hazard Insurance date is after the disbursement date . - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Resolved-05/08/2026- PCCD received disbursement date is xx. - Due Diligence Vendor-05/08/2025 | 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 - 13.13 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 - 13.13 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.66 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.42% 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 44.43 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 xx 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 790 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4062116 |
| xx | 517991 |  | D A | Closed | FCOM1512 | 2025-05-06 12:17 | 2025-05-08 11:50 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-Resolved-05/08/2025- Final Settlement statement for this property#xx, we received. - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Final Settlement Stmt and escrow receipt confirming receipt of funds from sale of xx property received and attached so why would signed estimated settlement statement be needed? Please clear condition. - Seller-05/07/2025 <br> Open-Please provide the signed Estimated Settlement Statement for file #xx. The copy currently in the file is unsigned. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Final Settlement Stmt and escrow receipt confirming receipt of funds from sale of xx property received and attached so why would signed estimated settlement statement be needed? Please clear condition. - Seller-05/07/2025 | Resolved-Resolved-05/08/2025- Final Settlement statement for this property#xx, we received. - Due Diligence Vendor-05/08/2025 | 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 - 13.13 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 - 13.13 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.66 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.42% 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 44.43 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 xx 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 790 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4057771 |
| xx | 587693 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 510982 |  | C A | Closed | finding-47 | 2025-05-03 10:49 | 2025-05-08 14:55 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 05/08/2025: Received PCCD with funding date xx and exception is cleared. - Due Diligence Vendor-05/08/2025 <br> Resolved- - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-05/07/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Resolved 05/08/2025: Received PCCD with funding date xx and exception is cleared. - Due Diligence Vendor-05/08/2025 <br> Resolved- - Due Diligence Vendor-05/08/2025 | 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 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.62 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 0.16<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.51% 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 777 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 Of xx 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 - 7 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4036405 |
| xx | 558040 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| xx | 572956 |  | D A | Closed | FCRE7347 | 2025-06-05 13:51 | 2025-06-09 21:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Resolved-06/09/2025. Lease agreement provided which is month to month. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Per #20 of lease the lease turned mo to mo after expiration. Please clear condition - Seller-06/09/2025 <br> Open-Lease agreement is expired for the property"xx" . Need the latest lease - Due Diligence Vendor-06/05/2025 | Ready for Review-Document Uploaded. Per #20 of lease the lease turned mo to mo after expiration. Please clear condition - Seller-06/09/2025<br>| Resolved-Resolved-06/09/2025. Lease agreement provided which is month to month. - Due Diligence Vendor-06/10/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 4349207 |
| xx | 553606 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| xx | 562866 |  | D A C | Closed | FCRE1158 | 2025-05-14 16:26 | 2025-05-21 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-05/15/2025- First lien HOI document received. - Due Diligence Vendor-05/21/2025 <br> Resolved-Resolved-05/15/2025- First lien HOI document received. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. Insurance w/first included attached. Please clear condition - Seller-05/15/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-05/14/2025 | Ready for Review-Document Uploaded. Insurance w/first included attached. Please clear condition - Seller-05/15/2025<br>| Resolved-Resolved-05/15/2025- First lien HOI document received. - Due Diligence Vendor-05/21/2025 <br>Resolved-Resolved-05/15/2025- First lien HOI document received. - Due Diligence Vendor-05/16/2025<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> 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 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 - 24.74 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 - 42 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 - 13.74 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.18 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 xx Is Below the Guideline Maximum Of 85% 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 - 26 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4143549 |
| xx | 562866 |  | D A C | Closed | finding-47 | 2025-05-14 14:09 | 2025-05-20 17:37 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 5/20/2025 : Received PCCD with disbursement date xx and exception cleared. - Due Diligence Vendor-05/20/2025 <br> Resolved- - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. - Seller-05/19/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*The Final CD shows a funding date of xx - 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-05/14/2025 | Ready for Review-Document Uploaded. - Seller-05/19/2025<br>| Resolved-Resolved 5/20/2025 : Received PCCD with disbursement date xx and exception cleared. - Due Diligence Vendor-05/20/2025 <br> Resolved- - Due Diligence Vendor-05/20/2025 | 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> 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 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 - 24.74 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 - 42 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 - 13.74 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.18 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 xx Is Below the Guideline Maximum Of 85% 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 - 26 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4141295 |
| xx | 575849 |  | D A | Closed | FCRE3464 | 2025-05-06 09:14 | 2025-05-07 20:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Resolved – 05/07/2025: Based on the bank statement, CPA letter, and business narrative, the employer name is listed as xx However, the 1003 and VVOE documents reflect the employer name as xx—with the only discrepancy being the missing letter "i" in "xx." - Due Diligence Vendor-05/08/2025 <br> Ready for Review-I'm confused by below all matches xx? - Seller-05/06/2025 <br> Open-As per the Bank statement , CPA & Business narrative Proof employer name is xx , but 1003 & VVOE reflect employer name as xx employer name miss-matches in received Verbal verification of employment . Require updated VVOE reflecting the accurate employer name with in 10 days of closing. - Due Diligence Vendor-05/06/2025 | Ready for Review-I'm confused by below all matches xx? - Seller-05/06/2025 | Resolved-Resolved – 05/07/2025: Based on the bank statement, CPA letter, and business narrative, the employer name is listed as xx However, the 1003 and VVOE documents reflect the employer name as xx—with the only discrepancy being the missing letter "i" in "xx." - Due Diligence Vendor-05/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.27 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 20.64% 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 - 8.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4054574 |
| xx | 534130 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 544698 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| xx | 508009 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 527606 |  | C A | Closed | FCRE5774 | 2025-05-28 07:19 | 2025-05-28 20:59 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Resolved- 05/28/2025-Credit report document received. - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. - Seller-05/28/2025 <br> Open-Borrower 1 Credit Report is Partially Present. Credit Comparison report is present, However credit report is missing. Hence required main credit report with borrower scores. - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. - Seller-05/28/2025<br>| Resolved-Resolved- 05/28/2025-Credit report document received. - Due Diligence Vendor-05/29/2025<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 745 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 12.01% 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 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 12.3 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 - 7.16 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4253644 |
| xx | 589572 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| xx | 542970 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| xx | 506349 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 500995 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | IL | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 548745 |  | D A | Closed | FCRE1158 | 2025-05-28 14:42 | 2025-05-30 16:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-05/30/2025- New HOI Documents received. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. HOI correction attached. Please clear condition. - Seller-05/29/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. In the Hazard Insurance Document , Borrower name is incorrectly mentioned . As per note , xx is the borrower but HOI doc mentioned as xx . Please provide the corrected document . - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. HOI correction attached. Please clear condition. - Seller-05/29/2025<br>| Resolved-Resolved-05/30/2025- New HOI Documents received. - Due Diligence Vendor-05/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.98 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 xx 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 - 10.38 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 - 20 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4260220 |
| xx | 548745 |  | D A | Closed | FCRE1156 | 2025-05-28 14:42 | 2025-05-30 16:33 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Ready for Review-Document Uploaded. HOI correction attached. Please clear condition. - Seller-05/29/2025 <br> Open-Named Insured does not match Borrower(s) Name(s) In the Hazard Insurance Document , Borrower name is incorrectly mentioned . As per note , xx is the borrower but HOI doc mentioned as xx . Please provide the corrected document . - Due Diligence Vendor-05/28/2025 | Ready for Review-Document Uploaded. HOI correction attached. Please clear condition. - Seller-05/29/2025<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.98 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 xx 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 - 10.38 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 - 20 Years |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4260219 |
| xx | 595850 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| xx | 558186 |  | D A | Closed | FCRE1158 | 2025-05-19 09:34 | 2025-05-20 18:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-05/20/2025- HOI document received for this property address"xx" along with 1st lien Mortgage clause details. - Due Diligence Vendor-05/20/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Insurance attached. Please clear condition - Seller-05/20/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Received Hazard Insurance Policy reflect property address as xx instead of "xx" & 1st lien Mortgage clause details are missing . Need updated Hazard Insurance Policy reflecting subject property address & both 1st & 2nd lien Mortgage clause information. - Due Diligence Vendor-05/19/2025 | Ready for Review-Document Uploaded. Insurance attached. Please clear condition - Seller-05/20/2025<br>| Resolved-Resolved-05/20/2025- HOI document received for this property address"xx" along with 1st lien Mortgage clause details. - Due Diligence Vendor-05/20/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/20/2025 | 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 - 7.72 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 - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.13 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 xx 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 41.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4176905 |
| xx | 536219 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| xx | 554670 |  | D A | Closed | FCRE1158 | 2025-06-03 10:16 | 2025-06-09 21:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-06/09/2025 HOI document received. - Due Diligence Vendor-06/10/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. EOI w/1st included attached. Please clear condition - Seller-06/06/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. EOI w/1st included attached. Please clear condition - Seller-06/06/2025<br>| Resolved-Resolved-06/09/2025 HOI document received. - Due Diligence Vendor-06/10/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/10/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 80% 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 - 40.75 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 813 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 - 12.5 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 - 40.75 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 |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4311694 |
| xx | 515511 |  | C A | Closed | FCOM4227 | 2025-05-29 23:06 | 2025-06-03 08:07 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/03/2025 <br> Ready for Review-Document Uploaded. - Seller-06/02/2025 <br> Open-\*\*\*\*\*\*\*Closing date is xx. 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-05/30/2025 | Ready for Review-Document Uploaded. - Seller-06/02/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.97% 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 59.29 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 - 8.33 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 - 13.56 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 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 0.15 |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4277437 |

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## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 3**

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| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xx | 527472 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 552240 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 523788 |  |  | xx | xx |  | 0 | xx | xx | 1073 Individual Condo Report | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 516621 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 523889 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 558978 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Reasonable | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 560119 |  |  | xx | xx |  | 0 | xx | xx | AVM | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 584249 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 568137 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 596114 |  |  | xx | xx |  | 0 | xx | xx | 1073 Individual Condo Report | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 578843 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 526445 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 590677 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 596435 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 561539 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 522850 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 581681 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 563706 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 522643 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 538120 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 580021 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 567116 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 520921 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 555067 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 500503 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xx | Not Eligible | 1 | xx |
| xx | 564202 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Reasonable | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 557736 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 506187 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 518932 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 576080 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 554825 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Reasonable | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 511466 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 513865 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 541258 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 587560 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 576697 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 565780 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 585646 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 515682 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 572453 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 524001 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 576430 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 529887 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Reasonable | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 514657 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 508908 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 558539 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 588755 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 561209 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 511487 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 556456 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 548978 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 561513 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 565140 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 517991 |  |  | xx | xx | xx | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 587693 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 510982 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 558040 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 572956 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 553606 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 562866 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 575849 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 534130 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 544698 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 508009 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 527606 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 589572 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 542970 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 506349 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | -.0567 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -.0567 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 500995 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 548745 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | -.0675 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -.0675 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 595850 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 558186 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 536219 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 554670 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 515511 |  |  | xx | xx |  | 0 | xx | xx | AVM | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  | 93 | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 |
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy 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** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** |
| xx | 527472 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6916 | 12/16/2024 | 6.630% | No AUS |  | No | 11.056% |  | 10.625% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | FL | xx | xx | Monthly | 0.00% | 7.13% | 7.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 63 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xx | xx | FL | xx | xx | 11/22/2024 | 11/22/2024 |  |  |  | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 22.76 | No | xx | N/A |
| xx | 552240 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 18290 | 12/16/2024 | 6.630% | No AUS |  | No | 10.274% |  | 9.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 40.52% | 40.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 72 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | FL | xx | xx | 12/04/2024 | 12/04/2024 |  |  |  | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 39.81 | No | xx | N/A |
| xx | 523788 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12260.9 | 02/24/2025 | 6.850% | No AUS |  | No | 11.268% |  | 10.750% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 49.99% | 49.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xx | xx | CA | xx | xx | 02/25/2025 | 02/25/2025 |  |  |  | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xx | .89 | xx | 1.01 | No | xx | Yes |
| xx | 516621 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12940 | 01/06/2025 | 6.890% | No AUS |  | No | 10.284% |  | 9.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 42.63% | 42.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 84 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xx | xx | FL | xx | xx | 12/04/2024 | 12/04/2024 |  |  |  | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 36.38 | No | xx | N/A |
| xx | 523889 |  |  | xx | xx | xx | No | xx | xx | xx | V1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 11.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.123 | 1.123 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | FL | xx | xx | 01/02/2025 | 01/02/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xx | 15.56 | No | xx | N/A |
| xx | 558978 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 16890 | 01/20/2025 | 7.070% | No AUS |  | No | 9.572% |  | 9.125% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 30.74% | 30.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 161 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | xx | xx | CA | xx | xx | 01/03/2025 | 01/03/2025 |  |  |  | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 40.73 | No | xx | N/A |
| xx | 560119 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13790 | 03/03/2025 | 6.730% | No AUS |  | No | 8.490% |  | 8.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 35.28% | 35.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 32 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | CA | xx | xx | 03/03/2025 | 03/03/2025 |  |  |  | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 71.57 | No | xx | N/A |
| xx | 584249 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12163.9 | 02/17/2025 | 6.880% | No AUS |  | No | 10.977% |  | 10.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 48.56% | 48.56% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 24 | 0 | 71.13% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 96 | Yes | 58 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor, SSI and Disability - CPA Letter Verified, 1 YR W2 1099 Verified, Personal Bank Statements Verified - 2024 | Borrower \|\| Co Borrower - 2024 | xx | xx | CA | xx | xx | 01/08/2025 | 01/08/2025 | 01/30/2025 |  |  | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xx | .00 | xx | 22.12 | No | xx | N/A |
| xx | 568137 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12517.5 | 02/10/2025 | 6.870% | No AUS |  | No | 9.498% |  | 9.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 50.00% | 50.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | Yes | 8 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 5 | 5 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xx | xx | CA | xx | xx | 01/02/2025 | 01/02/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xx | 6.53 | xx | 12.73 | No | xx | N/A |
| xx | 596114 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6790 | 02/03/2025 | 6.920% | No AUS |  | No | 9.577% |  | 9.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 45.62% | 45.62% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 56.85% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 83 | Yes | 83 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2024 | xx | xx | CA | xx | xx | 01/09/2025 | 01/09/2025 | 01/09/2025 |  |  | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 30.45 | No | xx | Yes |
| xx | 578843 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8765 | 02/17/2025 | 6.880% | No AUS |  | No | 9.602% |  | 9.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 48.10% | 48.10% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2024 \|\| Co Borrower | Borrower - 2024 \|\| Co Borrower | xx | xx | CA | xx | xx | 01/08/2025 | 01/08/2025 | 01/08/2025 |  |  | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 17.76 | No | xx | N/A |
| xx | 526445 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | 01/20/2025 | 7.070% | No AUS |  | No | 10.112% |  | 9.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 49.59% | 49.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, SECorporation, SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - Executed 4506T Verified - 2024 | xx | xx | CA | xx | xx | 02/03/2025 | 02/03/2025 |  |  |  | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 62.76 | No | xx | N/A |
| xx | 590677 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 10.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 29.28% | 29.28% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 78 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xx | xx | FL | xx | xx | 01/29/2025 | 01/29/2025 |  |  |  | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xx | 14.09 | No | xx | N/A |
| xx | 596435 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | 01/20/2025 | 7.070% | No AUS |  | No | 11.355% |  | 10.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 38.42% | 38.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xx | xx | CA | xx | xx | 01/13/2025 | 01/13/2025 |  |  |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 26.55 | No | xx | N/A |
| xx | 561539 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7415 | 01/27/2025 | 6.930% | No AUS |  | No | 12.538% |  | 12.000% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 8.62% | 8.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | CA | xx | xx | 11/15/2024 | 11/15/2024 |  |  |  | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | I-151 Permanent Resident Card |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 0 | No | xx | N/A |
| xx | 522850 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | 02/03/2025 | 6.920% | No AUS |  | No | 11.249% |  | 10.750% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | NV | xx | xx | Monthly | 0.00% | 41.18% | 41.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, SEPartnership, Wage - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified | xx | xx | NV | xx | xx | 02/07/2025 | 02/07/2025 |  |  |  | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 14.14 | No | xx | N/A |
| xx | 581681 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7790 | 02/17/2025 | 6.880% | No AUS |  | No | 9.777% |  | 9.375% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 37.67% | 37.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 74 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | CA | xx | xx | 01/14/2025 | 01/14/2025 |  |  |  | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xx | 6.54 | xx | 42.69 | No | xx | N/A |
| xx | 563706 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14365 | 02/17/2025 | 6.880% | No AUS |  | No | 9.165% |  | 8.875% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 49.89% | 49.89% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Primary Residence Rent Income - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | xx | xx | CA | xx | xx | 12/23/2024 | 12/23/2024 |  |  |  | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xx | 5.05 | xx | 33.8 | No | xx | N/A |
| xx | 522643 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 18665 | 02/24/2025 | 6.850% | No AUS |  | No | 9.556% |  | 9.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 29.36% | 29.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 31.10% |  |  | N/A | 0 | N/A |  |  |  | Yes | 110 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | FL | xx | xx | 12/09/2024 | 12/09/2024 |  |  |  | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 17.73 | No | xx | N/A |
| xx | 538120 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 42.16% | 42.16% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 133 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xx | xx | CA | xx | xx | 01/08/2025 | 01/08/2025 |  |  |  | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 60.12 | No | xx | N/A |
| xx | 580021 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11165 | 02/17/2025 | 6.880% | No AUS |  | No | 8.672% |  | 8.500% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 42.62% | 42.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 2 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified | xx | xx | CA | xx | xx | 12/16/2024 | 12/16/2024 |  |  |  | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 0 | No | xx | N/A |
| xx | 567116 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10885 | 03/31/2025 | 6.650% | No AUS |  | No | 10.042% |  | 9.750% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 47.31% | 47.31% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 36 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower | xx | xx | CA | xx | xx | 01/27/2025 | 01/27/2025 | 01/27/2025 |  |  | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 13.38 | No | xx | N/A |
| xx | 520921 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4790 | 03/10/2025 | 6.620% | No AUS |  | No | 9.327% |  | 9.125% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 44.81% | 44.81% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 108 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified | xx | xx | CA | xx | xx | 01/23/2025 | 01/23/2025 | 01/23/2025 |  |  | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 35.28 | No | xx | N/A |
| xx | 555067 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10727.5 | 02/10/2025 | 6.870% | No AUS |  | No | 9.769% |  | 9.500% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Annually | 0.00% | 49.57% | 49.57% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 86.38% | 50.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Retirement - CPA Letter Verified, Award Letter Verified, Business Bank Statements Verified - 2024 \|\| Co Borrower - Retirement - CPA Letter Verified, Award Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 \|\| Co Borrower - 2024 | xx | xx | CA | xx | xx | 01/29/2025 | 01/29/2025 | 01/29/2025 |  |  | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | xx | N/A |
| xx | 500503 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13835 | 02/24/2025 | 6.850% | No AUS |  | No | 10.560% |  | 10.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 38.87% | 38.87% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 60 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xx | xx | CA | xx | xx | 02/16/2025 | 02/16/2025 | 02/16/2025 |  |  | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 68.06 | No | xx | N/A |
| xx | 564202 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17015 | 03/17/2025 | 6.650% | No AUS |  | No | 10.405% |  | 9.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 44.95% | 44.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 179 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | CA | xx | xx | 01/17/2025 | 01/17/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 43.36 | No | xx | N/A |
| xx | 557736 |  |  | xx | xx | xx | No | xx | xx | xx | V1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8387.5 | 03/17/2025 | 6.650% | No AUS |  | No | 8.839% |  | 8.375% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | NV | xx | xx | Monthly | 0.00% | 49.96% | 49.96% | No | No |  |  |  |  |  |  | Employed | Unknown |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | Yes | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 221 | 26 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage, Asset Depletion - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower | xx | xx | NV | xx | xx | 01/30/2025 | 01/30/2025 | 01/30/2025 |  |  | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 2.92 | No | xx | N/A |
| xx | 506187 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 44.96% | 44.96% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 90.40% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 0 | Yes | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xx | xx | CA | xx | xx | 02/06/2025 | 02/06/2025 | 02/06/2025 |  |  | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xx | 16.13 | xx | 16.13 | No | xx | N/A |
| xx | 518932 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14165 | 02/24/2025 | 6.850% | No AUS |  | No | 9.141% |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 27.80% | 27.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 60.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 148 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xx | xx | FL | xx | xx | 01/28/2025 | 01/28/2025 |  |  |  | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 23.54 | No | xx | N/A |
| xx | 576080 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 9.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 24.81% | 24.81% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 14 | Borrower |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xx | xx | WA | xx | xx | 01/21/2025 | 01/21/2025 |  |  |  | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | xx | N/A |
| xx | 554825 |  |  | xx | xx | xx | No | xx | xx | xx | V1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6190 | 03/10/2025 | 6.620% | No AUS |  | No | 9.069% |  | 8.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 41.83% | 41.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 96.55% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 62 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified | Borrower | xx | xx | CA | xx | xx | 01/20/2025 | 01/20/2025 |  |  |  | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 38.95 | No | xx | N/A |
| xx | 511466 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6885 | 02/24/2025 | 6.850% | No AUS |  | No | 8.570% |  | 8.375% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 15.32% | 15.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 205 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | CA | xx | xx | 02/14/2025 | 02/14/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 19.55 | No | xx | N/A |
| xx | 513865 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9290 | 02/24/2025 | 6.850% | No AUS |  | No | 8.723% |  | 8.500% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 33.52% | 33.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 49 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xx | xx | CA | xx | xx | 01/18/2025 | 01/18/2025 |  |  |  | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 10.55 | No | xx | N/A |
| xx | 541258 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 24052.5 | 03/03/2025 | 6.730% | No AUS |  | No | 9.127% |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 46.15% | 46.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 70.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 56 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - Executed 4506T Verified - 2024 | xx | xx | CA | xx | xx | 02/14/2025 | 02/14/2025 |  |  |  | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 44.81 | No | xx | N/A |
| xx | 587560 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 9.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 29.10% | 29.10% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xx | xx | CA | xx | xx | 02/19/2025 | 02/19/2025 |  |  |  | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xx | 21.01 | No | xx | N/A |
| xx | 576697 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 9.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.472 | 1.472 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 01/30/2025 | 01/30/2025 |  |  |  | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xx | 57.7 | No | xx | N/A |
| xx | 565780 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 10.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.205 | 1.205 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 01/30/2025 | 01/30/2025 |  |  |  | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 29.07 | No | xx | N/A |
| xx | 585646 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 9.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.215 | 1.215 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 01/30/2025 | 01/30/2025 |  |  |  | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 64.03 | No | xx | N/A |
| xx | 515682 |  |  | xx | xx | xx | No | xx | xx | xx | V1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 9.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.132 | 1.132 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 02/25/2025 | 02/25/2025 |  |  |  | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xx | 24.72 | No | xx | N/A |
| xx | 572453 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13790 | 03/24/2025 | 6.660% | No AUS |  | No | 9.028% |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 16.61% | 16.61% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 52.00% | 48.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | Yes | 48 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xx | xx | CA | xx | xx | 02/26/2025 | 02/26/2025 | 02/26/2025 |  |  | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 7.62 | No | xx | N/A |
| xx | 524001 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13040 | 03/17/2025 | 6.650% | No AUS |  | No | 8.330% |  | 8.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 49.30% | 49.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESCorp, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | xx | xx | CA | xx | xx | 02/24/2025 | 02/24/2025 |  |  |  | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 26.04 | No | xx | N/A |
| xx | 576430 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 9.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.474 | 1.474 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | NH | xx | xx | 03/06/2025 | 03/06/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xx | 52.39 | No | xx | N/A |
| xx | 529887 |  |  | xx | xx | xx | No | xx | xx | xx | V1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7110 | 03/03/2025 | 6.730% | No AUS |  | No | 8.479% |  | 8.125% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | NC | xx | xx | Monthly | 0.00% | 9.75% | 9.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership, SEPartnership, SEPartnership, SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | NC | xx | xx | 02/27/2025 | 02/27/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 56.11 | No | xx | N/A |
| xx | 514657 |  |  | xx | xx | xx | No | xx | xx | xx | V1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 9.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.007 | 1.007 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 03/04/2025 | 03/04/2025 | 03/04/2025 |  |  | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xx | 37 | No | xx | N/A |
| xx | 508908 |  |  | xx | xx | xx | No | xx | xx | xx | V1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 16282.5 | 04/07/2025 | 6.620% | No AUS |  | No | 10.036% |  | 9.625% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | GA | xx | xx | Annually | 0.00% | 49.33% | 49.33% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 158 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SEPartnership - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | xx | xx | GA | xx | xx | 04/09/2025 | 04/09/2025 | 04/09/2025 |  |  | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 62.81 | No | xx | N/A |
| xx | 558539 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7785 | 03/31/2025 | 6.650% | No AUS |  | No | 9.189% |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 49.37% | 49.37% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 30.00% | 45.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 115 | Yes | 115 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xx | xx | CA | xx | xx | 03/11/2025 | 03/11/2025 | 03/11/2025 |  |  | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 43.04 | No | xx | N/A |
| xx | 588755 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8035 | 04/21/2025 | 6.810% | No AUS |  | No | 11.470% |  | 11.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 49.66% | 49.66% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xx | xx | CA | xx | xx | 04/07/2025 | 04/07/2025 |  |  |  | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xx | 8.77 | xx | 12.62 | No | xx | N/A |
| xx | 561209 |  |  | xx | xx | xx | No | xx | xx | xx | V1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9290 | 03/17/2025 | 6.650% | No AUS |  | No | 8.521% |  | 8.375% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 26.92% | 26.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 14 | CPA |  |  |  | Yes | 308 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | xx | xx | CA | xx | xx | 02/17/2025 | 02/17/2025 |  |  |  | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 14.87 | No | xx | N/A |
| xx | 511487 |  |  | xx | xx | xx | No | xx | xx | xx | V1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6815 | 03/24/2025 | 6.660% | No AUS |  | No | 8.357% |  | 8.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 46.84% | 46.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 25 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | CA | xx | xx | 03/05/2025 | 03/05/2025 |  |  |  | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xx | 10.19 | xx | 36.75 | No | xx | N/A |
| xx | 556456 |  |  | xx | xx | xx | No | xx | xx | xx | V1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6497 | 03/24/2025 | 6.660% | No AUS |  | No | 9.638% |  | 9.375% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 37.78% | 37.78% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 14 | CPA | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xx | xx | CA | xx | xx | 03/06/2025 | 03/06/2025 | 03/06/2025 |  |  | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xx | .88 | xx | 47.28 | No | xx | N/A |
| xx | 548978 |  |  | xx | xx | xx | No | xx | xx | xx | V1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 10.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 19.45% | 19.45% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | xx | xx | CA | xx | xx | 04/02/2025 | 04/02/2025 | 04/02/2025 |  |  | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xx | 41.2 | No | xx | N/A |
| xx | 561513 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 16415 | 03/31/2025 | 6.650% | No AUS |  | No | 8.674% |  | 8.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 8.28% | 8.28% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 141 | Yes | 141 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, SESCorp - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESCorp, SESCorp - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | xx | xx | CA | xx | xx | 03/20/2025 | 03/20/2025 | 03/20/2025 |  |  | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 37.59 | No | xx | N/A |
| xx | 565140 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 18170 | 04/07/2025 | 6.620% | No AUS |  | No | 8.785% |  | 8.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 49.34% | 49.34% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 34.45% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | Yes | 122 | 27 | Work Number | Yes | 247 | 27 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor, Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xx | xx | CA | xx | xx | 03/18/2025 | 03/18/2025 | 03/18/2025 |  |  | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 64.76 | No | xx | N/A |
| xx | 517991 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 3665 | 04/07/2025 | 6.620% | No AUS |  | No | 9.147% |  | 9.000% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 3.42% | 3.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.01% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | Yes | 130 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | CA | xx | xx | 03/18/2025 | 03/18/2025 |  |  |  | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xx | 44.43 | xx | 44.43 | No | xx | N/A |
| xx | 587693 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6290 | 04/07/2025 | 6.620% | No AUS |  | No | 8.763% |  | 8.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 43.82% | 43.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 81 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified | Borrower | xx | xx | CA | xx | xx | 03/28/2025 | 03/28/2025 |  |  |  | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 63.15 | No | xx | N/A |
| xx | 510982 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5790 | 04/14/2025 | 6.700% | No AUS |  | No | 9.355% |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 44.51% | 44.51% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 47.37% | 50.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xx | xx | WA | xx | xx | 03/28/2025 | 03/28/2025 | 03/28/2025 |  |  | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | WA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 51.62 | No | xx | N/A |
| xx | 558040 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 9.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.561 | 1.56 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 03/17/2025 | 03/17/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xx | 17.32 | No | xx | N/A |
| xx | 572956 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 10.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.19 | 1.19 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 03/17/2025 | 03/17/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xx | 37.52 | No | xx | N/A |
| xx | 553606 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 10.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.41 | 1.41 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 03/17/2025 | 03/17/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xx | 39 | No | xx | N/A |
| xx | 562866 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8540 | 04/07/2025 | 6.620% | No AUS |  | No | 8.854% |  | 8.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 2.71% | 2.71% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 71.46% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 384 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | xx | xx | CA | xx | xx | 03/21/2025 | 03/21/2025 | 03/21/2025 |  |  | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 39.18 | No | xx | N/A |
| xx | 575849 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4782.5 | 04/14/2025 | 6.700% | No AUS |  | No | 10.696% |  | 10.375% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | AZ | xx | xx | Annually | 0.00% | 20.64% | 20.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 51 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | AZ | xx | xx | 04/23/2025 | 04/23/2025 |  |  |  | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | I-551 Permanent Resident Card |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 46.27 | No | xx | N/A |
| xx | 534130 |  |  | xx | xx | xx | No | xx | xx | xx | 2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6790 | 04/28/2025 | 6.880% | No AUS |  | No | 10.103% |  | 9.625% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 49.31% | 49.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xx | xx | CA | xx | xx | 04/07/2025 | 04/07/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xx | xx | 0 | 107 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 29.13 | No | xx | N/A |
| xx | 544698 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8445.63 | 04/14/2025 | 6.700% | No AUS |  | No | 11.480% |  | 10.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 10.93% | 10.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | CA | xx | xx | 04/07/2025 | 04/07/2025 |  |  |  | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 38.01 | No | xx | N/A |
| xx | 508009 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13765 | 04/07/2025 | 6.620% | No AUS |  | No | 9.170% |  | 8.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 40.32% | 40.32% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xx | xx | CA | xx | xx | 04/08/2025 | 04/08/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | xx | N/A |
| xx | 527606 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5727.5 | 05/05/2025 | 6.740% | No AUS |  | No | 8.893% |  | 8.500% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | FL | xx | xx | Monthly | 0.00% | 12.01% | 12.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xx | xx | FL | xx | xx | 03/13/2025 | 03/13/2025 |  |  |  | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 12.3 | No | xx | N/A |
| xx | 589572 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6435 | 04/21/2025 | 6.810% | No AUS |  | No | 9.536% |  | 9.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 32.48% | 32.48% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 15 | CPA | N/A | N/A | 0 | Yes | 124 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | xx | xx | CA | xx | xx | 03/21/2025 | 03/21/2025 | 03/21/2025 |  |  | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 39.97 | No | xx | N/A |
| xx | 542970 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  | No AUS |  | No |  |  | 10.125% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 40.03% | 40.03% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | xx | xx | CA | xx | xx | 05/07/2025 | 05/07/2025 |  |  |  | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xx | 36.45 | No | xx | N/A |
| xx | 506349 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15790 | 04/21/2025 | 6.810% | No AUS |  | No | 9.623% |  | 9.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 14.74% | 14.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 69 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | CA | xx | xx | 04/16/2025 | 04/16/2025 |  |  |  | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 23.31 | No | xx | N/A |
| xx | 500995 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 2790 | 05/05/2025 | 6.740% | No AUS |  | No | 9.945% |  | 9.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx | xx | IL | $0.00 | xx | Annually | 0.00% | 12.69% | 12.69% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 53 | Yes | 53 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xx | xx | IL | xx | xx | 03/12/2025 | 03/12/2025 | 03/12/2025 |  |  | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | I-551 Permanent Resident Card |  | xx | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 31.35 | No | xx | N/A |
| xx | 548745 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10341.88 | 05/05/2025 | 6.740% | No AUS |  | No | 9.068% |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 47.79% | 47.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 148 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | xx | xx | CA | xx | xx | 05/09/2025 | 05/09/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 25.98 | No | xx | N/A |
| xx | 595850 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 18040 | 05/05/2025 | 6.740% | No AUS |  | No | 10.123% |  | 9.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 48.19% | 48.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 83.95% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xx | xx | WA | xx | xx | 04/18/2025 | 04/18/2025 |  |  |  | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 15.59 | No | xx | N/A |
| xx | 558186 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9915 | 04/28/2025 | 6.880% | No AUS |  | No | 9.280% |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 41.49% | 41.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 43.90% |  |  | N/A | 0 | N/A |  |  |  | Yes | 88 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | FL | xx | xx | 04/11/2025 | 04/11/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 17.13 | No | xx | N/A |
| xx | 536219 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 18085 | 04/21/2025 | 6.810% | No AUS |  | No | 9.160% |  | 8.875% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | CA | xx | xx | Monthly | 0.00% | 48.04% | 48.04% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower \|\| Co Borrower | xx | xx | CA | xx | xx | 04/25/2025 | 04/25/2025 | 04/25/2025 |  |  | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 65.55 | No | xx | N/A |
| xx | 554670 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 18185 | 05/12/2025 | 6.800% | No AUS |  | No | 8.543% |  | 8.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 49.69% | 49.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 1 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Wage, SEPartnership, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | xx | xx | CA | xx | xx | 05/19/2025 | 05/19/2025 |  |  |  | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | xx | N/A |
| xx | 515511 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10131.4 | 05/05/2025 | 6.740% | No AUS |  | No | 10.251% |  | 9.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | xx |  |  | $0.00 |  |  | 0.00% | 7.97% | 7.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 162 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xx | xx | CA | xx | xx | 05/20/2025 | 05/20/2025 |  |  |  | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xx | 59.29 | No | xx | N/A |

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## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 6**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | **Dummy 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? |
| xx | 527472 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 6916 | 11.056 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 552240 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 18290 | 10.274 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 523788 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 12260.9 | 11.268 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 516621 |  |  | xx | 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 | Yes | 12940 | 10.284 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 523889 |  |  | xx | 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 | xx |  |  |  | No |  | Yes | Present |
| xx | 558978 |  |  | xx | 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 | Yes | 16890 | 9.572 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 560119 |  |  | xx | 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 | Yes | 13790 | 8.49 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 584249 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 12163.9 | 10.977 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 568137 |  |  | xx | 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 | No | 12517.5 | 9.498 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 596114 |  |  | xx | 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 | No | 6790 | 9.577 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 578843 |  |  | xx | 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 | No | 8765 | 9.602 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Unknown | No | No | No |  |
| xx | 526445 |  |  | xx | 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 | Not Tested |  | 10.112 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 590677 |  |  | xx | 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 | xx | N/A | Employed |  | No |  | Yes | Present |
| xx | 596435 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 11.355 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 561539 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested | 7415 | 12.538 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 522850 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 11.249 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 581681 |  |  | xx | 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 | 7790 | 9.777 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 563706 |  |  | xx | 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 | No | 14365 | 9.165 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 522643 |  |  | xx | 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 | 18665 | 9.556 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 538120 |  |  | xx | 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 | xx | N/A | Employed |  | No |  | Yes | Present |
| xx | 580021 |  |  | xx | 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 | 11165 | 8.672 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 567116 |  |  | xx | 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 | No | 10885 | 10.042 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 520921 |  |  | xx | 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 | No | 4790 | 9.327 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 555067 |  |  | xx | 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 | No | 10727.5 | 9.769 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 500503 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 13835 | 10.56 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 564202 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 17015 | 10.405 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 557736 |  |  | xx | 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 | 8387.5 | 8.839 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Unknown | No | No | No |  |
| xx | 506187 |  |  | xx | 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 | xx | N/A | Employed | Employed | No | No | Yes | Present |
| xx | 518932 |  |  | xx | 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 | Yes | 14165 | 9.141 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 576080 |  |  | xx | 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 | xx | N/A | Employed |  | No |  | Yes | Present |
| xx | 554825 |  |  | xx | 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 | 6190 | 9.069 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 511466 |  |  | xx | 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 | 6885 | 8.57 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 513865 |  |  | xx | 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 | 9290 | 8.723 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 541258 |  |  | xx | 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 | 24052.5 | 9.127 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 587560 |  |  | xx | 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 | xx | N/A | Employed |  | No |  | Yes | Present |
| xx | 576697 |  |  | xx | 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 |
| xx | 565780 |  |  | xx | 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 | xx |  |  |  | No |  | Yes | Present |
| xx | 585646 |  |  | xx | 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 | xx |  |  |  | No |  | Yes | Present |
| xx | 515682 |  |  | xx | 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 | xx |  |  |  | No |  | Yes | Present |
| xx | 572453 |  |  | xx | 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 | 13790 | 9.028 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 524001 |  |  | xx | 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 | No | 13040 | 8.33 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 576430 |  |  | xx | 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 |
| xx | 529887 |  |  | xx | 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 | 7110 | 8.479 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 514657 |  |  | xx | 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 | xx |  |  |  | No | No | Yes | Present |
| xx | 508908 |  |  | xx | 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 | 16282.5 | 10.036 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Unknown | No | No | No |  |
| xx | 558539 |  |  | xx | 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 | No | 7785 | 9.189 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 588755 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 8035 | 11.47 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 561209 |  |  | xx | 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 | 9290 | 8.521 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 511487 |  |  | xx | 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 | No | 6815 | 8.357 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 556456 |  |  | xx | 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 | 6497 | 9.638 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 548978 |  |  | xx | 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 | xx | N/A | Employed | Unknown | No | No | Yes | Present |
| xx | 561513 |  |  | xx | 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 | 16415 | 8.674 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 565140 |  |  | xx | 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 | No | 18170 | 8.785 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 517991 |  |  | xx | 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 | 3665 | 9.147 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 587693 |  |  | xx | 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 | No | 6290 | 8.763 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 510982 |  |  | xx | 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 | No | 5790 | 9.355 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 558040 |  |  | xx | 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 |
| xx | 572956 |  |  | xx | 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 |
| xx | 553606 |  |  | xx | 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 |
| xx | 562866 |  |  | xx | 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 | 8540 | 8.854 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 575849 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 4782.5 | 10.696 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 534130 |  |  | xx | 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 | 6790 | 10.103 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 544698 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8445.63 | 11.48 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 508009 |  |  | xx | 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 | 13765 | 9.17 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 527606 |  |  | xx | 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 | 5727.5 | 8.893 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 589572 |  |  | xx | 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 | 6435 | 9.536 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Not Employed | No | No | No |  |
| xx | 542970 |  |  | xx | 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 | xx | N/A | Employed |  | No |  | Yes | Present |
| xx | 506349 |  |  | xx | 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 | 15790 | 9.623 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 500995 |  |  | xx | 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 | 2790 | 9.945 | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 548745 |  |  | xx | 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 | No | 10341.88 | 9.068 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 595850 |  |  | xx | 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 | No | 18040 | 10.123 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 558186 |  |  | xx | 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 | 9915 | 9.28 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 536219 |  |  | xx | 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 | No | 18085 | 9.16 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed | Employed | No | No | No |  |
| xx | 554670 |  |  | xx | 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 | No | 18185 | 8.543 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |
| xx | 515511 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 10131.4 | 10.251 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5**

![](ex995001.jpg)

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

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party due diligence provider, performed the review described below on behalf of its client, ("Vista Point Mortgage, LLC"). The review included a total of 3 originated residential mortgage loans, in connection with the securitization identified as ("VSTA 2025-CES2") (the "Securitization"). The review began on April 2025 and concluded on May 2025.

**Scope of Review**

**Credit Review**

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

The credit review will include the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of DTI / DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR
 Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of Hazard coverage and verification that sufficient coverage was in place on subject
 and all premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage
 Insurance Certificate was in file, if applicable, and coverage was sufficient, and premium
 was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 of Rental income and /or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red
 Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing
 Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, MaxDiligence will (a) Confirm that the originator/aggregator provided a QM

designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment
 properties or business purpose loans, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. MaxDiligence
 will review applicable mortgage loans for compliance with the ATR and QM rule requirements
 based upon each mortgage loan's originator designation of QM, Non-QM, or exempt
 from ATR. (MaxDiligence determines the mortgage loan's status under the ATR or
 QM rule requirements and assigns a due diligence mortgage loan designation. Generally,
 MaxDiligence notes as a material exception if the due diligence findings do not confirm
 the originator's mortgage loan designation. Additionally, MaxDiligence notes if
 an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. MaxDiligence
 utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
 Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR
 Exempt and ATR Fail.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, MaxDiligence reviews the mortgage loan to determine
 whether, based on available information in the mortgage loan file, if the mortgage loan
 satisfied (i), (ii) and (iii) in the preceding paragraph.

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

The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, MaxDiligence then determines whether the mortgage loan complies with the ATR rule
 consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. MaxDiligence
 reviews the mortgage loan to determine whether, based on available information in the
 mortgage loan file, the creditor considered, as applicable, the following eight underwriting
 factors, and will verify such information using reasonably reliable third-party records,
 at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to Confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations - Validate that the subject Loan monthly payment calculation includes principle,
 interest, taxes, and insurance ("PITI"), as well as other costs related to
 the property such as homeowners' association ("HOA") fees, private
 mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and Determine a representative credit score from the credit report

**Valuation Review**

MaxDiligence performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Valuation Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's
 review will include a review of the valuation materials utilized during the origination
 of the loan and in confirming the value of the underlying property. MaxDiligence's
 review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate GSE form:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file but notes a variance
 above 10% or an inconclusive value, MaxDiligence will recommend a BPO or field review
 be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, MaxDiligence's review will (a) review
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirm the property value and square footage of the subject property
 was bracketed by comparable

properties, (c verify that comparable properties used are similar in size, style, and location to the subject, and (d) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of MaxDiligence's review include (i) verifying that the address matched
 the mortgage note, ((ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that there are
 no negative external factors; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence
 will confirm to the extent possible, that the appraiser and the appraisal made by such
 appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence
 will review the appraisal for conformity to industry standards, including ensuring the
 appraisal was complete, that the comparable properties and adjustments were reasonable
 and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, MaxDiligence will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

**Compliance Review**

MaxDiligence performed a "Compliance Review" below, which is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). Unless specifically requested by client, the compliance review excluded business purpose loans.

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. MaxDiligence worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
 LE are completed; and (iii) the Initial LE accurately reflects the information provided
 to MaxDiligence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a Revised LE, confirm (i) that there is a "valid reason" for the
 Revised LE; and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A Revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm
 initial LE was delivered within three (3) Business Days from the application date, and
 at least seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 revised LE was delivered within three (3) Business Days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) Business Days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the CD review and confirm (i) the correct form was used; (ii) all sections of the CD
 are completed; and (iii) the CD accurately reflects the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirm (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 Initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) Business Days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a revised CD or with respect to exception remediation measures for non-numerical
 exceptions, that a corrected CD was delivered or placed in the mail no later than 60
 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
 CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
 of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge
 tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 60 days after discovery of the exception establishing
 the need for a

revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) Business
 Days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

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

originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the Servicing Disclosure Statement was provided to the borrower(s) within three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm
 that the CHARM booklet was issued within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm
 that the creditor provided the borrower a list of homeownership counselling organizations
 within three (3) Business Days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv)
 With respect to a borrower that has waived the three (3) Business Day disclosure requirement,
 confirm that (a) the borrower has signed the waiver or other acknowledgment at least
 three (3) Business Days prior to consummation; and (b) that the lender has provided copies
 of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>.
 MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

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

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

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

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

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

**Data Discrepancy**

As part of the Credit, Valuation and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 66.67% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &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;**3** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &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;**3** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**Exception** <br> **Level** <br> **Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Property** &nbsp;&nbsp;**A** | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;Missing Doc - ROR/Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Compliance** &nbsp;&nbsp;**B** | &nbsp;&nbsp;Charges That Cannot Increase Test (50001251) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions*** | &nbsp;&nbsp;***1*** |

---

**Event Grade Definitions:**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |

---

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

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

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 1**

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 637797 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3853333 | 1 of 3 | 2025-04-14 12:30 | Compliance | Missing Doc - ROR/Missing | Right of Rescission is missing. The right to cancel was not present in the loan documents. <br>|  | Document Uploaded. - 04/16/2025<br>| Right of Rescission is provided. - 04/18/2025<br>ROR received. - 04/18/2025<br>|  | 2025-04-18 21:11 | Resolved | 4 | 1 | 4 | 1 |
| 637797 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3858839 | 2 of 3 | 2025-04-14 18:55 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-14 18:55 | Cleared | 1 | 1 | 4 | 1 |
| 637797 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3858840 | 3 of 3 | 2025-04-14 18:55 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-04-14 18:55 | Cleared | 1 | 1 | 4 | 1 |
| 615096 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3928166 | 1 of 3 | 2025-04-22 17:23 | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. Per the guidelines the underwriting approval and income calculation worksheet are required as part of the credit package. <br>|  | Document Uploaded. - 04/23/2025<br>| Documentation provided is sufficient. - 04/24/2025<br>|  | 2025-04-24 14:40 | Resolved | 3 | 1 | 3 | 2 |
| 615096 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3928196 | 2 of 3 | 2025-04-22 17:26 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-04-22 17:26 | Cleared | 1 | 1 | 3 | 2 |
| 615096 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3930217 | 3 of 3 | 2025-04-22 19:24 | Compliance | Charges That Cannot Increase Test (50001251) | The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The appraisal fee increased from $600 to $700. The associated CIC did not provide a valid reason for the increased fee. <br>|  | Document Uploaded. - 04/25/2025 <br>Document Uploaded. - 04/23/2025<br>| Received curative PCCD, LOE, copy of refund check and proof of mailing - 04/30/2025<br>The CIC states "Appraisal fee increased to $700 from $600" A reason for the increase was not provided. Finding upheld - 04/24/2025<br>|  | 2025-04-30 20:24 | Cured | 3 | 2 | 3 | 2 |
| 676752 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4194769 | 1 of 4 | 2025-05-20 18:09 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-05-20 18:09 | Cleared | 1 | 1 | 3 | 1 |
| 676752 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4218148 | 2 of 4 | 2025-05-22 18:23 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Per guidelines, all high level alerts must be addressed by the seller. Documentation or a certification could not be found in the loan file to address the alerts. <br>|  | Document Uploaded. - 05/23/2025<br>| documentation meet guideline requirements - 05/23/2025<br>|  | 2025-05-23 21:15 | Resolved | 3 | 1 | 3 | 1 |
| 676752 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4218236 | 3 of 4 | 2025-05-22 18:28 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Validation if the properties located at XXXXXX or XXXXXX were located in an area that has an HOA could not be found in the loan documents. <br>|  | Document Uploaded. XXXXXX and XXXXXX properties are SFRs only and not PUDs. Attached are the property profiles reflecting both as SFRs. - 05/23/2025 | documentation meet guideline requirements - 05/23/2025<br>|  | 2025-05-23 21:16 | Resolved | 3 | 1 | 3 | 1 |
| 676752 |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4218254 | 4 of 4 | 2025-05-22 18:28 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-22 18:28 | Cleared | 1 | 1 | 3 | 1 |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 2**

![](maxwell-logo.jpg)

Client Vista Point <br> Transaction VSTA 2025-CES2 <br> Date 07/08/2025

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 637797 |  |  | XXXXXX | XXXXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |
| 615096 |  |  | XXXXXX | XXXXXX | 3 | 2 | 3 | 1 | 3 | 2 | 1 | 1 C B A |
| 676752 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 637797 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 27.03 | 42.54 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 615096 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 20.83 | 73.13 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |
| 676752 |  |  | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 25.27 | 79.92 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Low Risk | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 4**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 637797 |  |  | Lien Position | XXXXXX | XXXXXX | XXXXXX |
| 615096 |  |  | Lien Position | XXXXXX | XXXXXX | XXXXXX |
| 615096 |  |  | Originator QM Status | XXXXXX | XXXXXX | XXXXXX |
| 615096 |  |  | Qualifying CLTV | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 5**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** |
| 637797 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 12372.50 | XXXXXX | 6.620% | Manual Underwriting | Manual Underwriting | No | 9.157% |  | 8.875% | 8.875% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | $0.00 |  |  | 42.70% | 42.70% | 42.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Audited | 12 | CPA |  |  |  | Yes | 240 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXXXX | 64.2 | No | 42.54 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 25.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 615096 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 2634.00 | XXXXXX | 6.660% | Manual Underwriting | Manual Underwriting | No | 10.212% |  | 10.000% |  | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | $0.00 |  |  | 15.54% | 38.83% | 38.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXXXX | 32 | No | 73.13 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 6.42 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |
| 676752 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4069.71 | XXXXXX | 6.880% | Manual Underwriting | Manual Underwriting | No | 9.497% |  | 9.250% | 9.250% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | $0.00 |  |  | 40.33% | 40.33% | 40.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 87.59% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXXXX | 42.9 | No | 79.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 7.83 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX |

---

## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6**

![](ex996001.jpg)

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

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Vista Point Mortgage, LLC ("Client"). The review was conducted between March 03 2025, and May 14 2025, via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 5 Closed-End Second (CES) loan for a total of 5 CES loan the "Final Securitization Population".

*<u>Credit Reviews (5):</u>*

During the Review, Selene performed a credit review on 5 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (5)</u>*

During the Review, Selene performed a compliance review on 5 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (5):</u>*

During the Review, Selene performed a property valuation review on 5 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (5):</u>*

During the Review, Selene performed a Data Integrity Review on 5 mortgage loans in the Final Securitization Population.

![](ex996001.jpg)

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 5 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, and DBRS, Inc. ("DBRS") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Loan Eligibility Guidelines Equity Solutions (the "Guidelines").

**<u>LOAN GRADING</u>**

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

Page **2** of **14**

![](ex996001.jpg)

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

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

 **CREDIT REVIEW**

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

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

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

● **Original Appraisal Assessment** 

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

● **Value Supported Analysis** 

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

Page **3** of **14**

![](ex996001.jpg)

**DATA INTEGRITY REVIEW**

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

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 5 mortgage loans, (ii) a Compliance Review on 5 mortgage loans (iii) a Valuation Review on 5 mortgage loans, and (iv) a Data Integrity Review on 5 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 5 mortgage loans; 2 mortgage loans had a rating grade of A, 3 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;3 | &nbsp;&nbsp;60.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **14**

![](ex996001.jpg)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;**Final Grades per loan broken out by compliance, credit and property:** | &nbsp;&nbsp;**Final Grades per loan broken out by compliance, credit and property:** | &nbsp;&nbsp;**Final Grades per loan broken out by compliance, credit and property:** | &nbsp;&nbsp;**Final Grades per loan broken out by compliance, credit and property:** |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;% | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;% |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;C | &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;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% |
| &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;1 | &nbsp;&nbsp;20.00% |

---

\*Only one valuation product was ordered. Unable to review for any variances.

**<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.

Page **5** of **14**

![](ex996001.jpg)

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

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

Selene furnished the following reports on this transaction:

1. Selene
 Narrative Report

2. ASF
 Report

3. Grading
 Summary

4. Exception
 Detail

5. Tape
 Discrepancies

6. Valuations
 Report

7. Supplemental
 Data

8. Third
 Party (TPR) Attestation Form

9. Attestation
 Form 15E

Page **6** of **14**

![](ex996001.jpg)

**APPENDIX A – CREDIT REVIEW SCOPE**

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

**Credit Application**

For the Credit Application, Selene verified whether:

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

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

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

**Credit Report**

Selene verified:

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

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

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

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

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

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

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

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

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

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

**Employment and Income**

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

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

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

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

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

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

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

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

Page **7** of **14**

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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;

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

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
 for any potential occupancy issues based on the borrowers' address history and
 confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
 for any employment issues and confirm that any issues have been addressed in the loan
 file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
 for any additional consumers associated with the borrowers' profiles and confirm
 the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
 all red flag issues.

**Superior Lien Review**

As applicable, Selene:

&nbsp;&nbsp;&nbsp;&nbsp;**1.** Captured
 superior lien outstanding loan amount and current payment amounts to validate CLTV and
 PITIA for DSCR calculations;

&nbsp;&nbsp;&nbsp;&nbsp;**2.** Reviewed
 the original senior lien note to ensure eligible senior lien loan type adhere to the
 Guidelines; and

&nbsp;&nbsp;&nbsp;&nbsp;**3.** Reviewed
 the current mortgage statements for existing senior lien payments.

**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.

Page **9** of **14**

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the loan 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> 

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

Page **10** of **14**

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ii) review relevant document to determine if there was dual compensation; and <br> iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in

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accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

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

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

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

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

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

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

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

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

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

Page **12** of **14**

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**APPENDIX C – VALUATION REVIEW SCOPE**

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

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

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

Disclaimer

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

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

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

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

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● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **14** of **14**

## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 1**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Kroll** | **Moodys** | **DBRS/Morningstar** | **Kroll** | **Moodys** |
| 713686 |  | XXXX | XXXX C A | A | A | A C B | A | A | A B |
| 722838 |  | XXXX | XXXX C A | A | A | A C B | A | A | A B |
| 756221 |  | XXXX | XXXX D A | D | D | D A | A | A | A |
| 789009 |  | XXXX | XXXX C A | N/A | N/A C | N/A C B | N/A | N/A C | N/A B C |
| 722092 |  | XXXX | XXXX D | A | A | A D | A | A | A |

---

## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 713686 |  |  | Closed | 2025-03-10 05:33 | 2025-03-14 18:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception made for loan amount greater than XXXX (XXXX) - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/11/2025 <br> Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-03/10/2025 |  | Waived-Exception made for loan amount greater than XXXX (XXXX) - Due Diligence Vendor-03/14/2025 | XXXX |  | Residual Income is $68,255.35. Minimum Residual Income required per guidelines is $1500. <br> Borrower self-employed in same business for 20+ years CA | Primary Residence | Refinance | Cash Out - Other | 3565993 | Originator Post-Close | Yes |
| XXXX | 713686 |  |  | Closed | 2025-03-10 06:30 | 2025-03-11 19:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.031%) equals or exceeds the California HPML threshold of (10.43%). The threshold is determined by adding 3.5 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 (6.93%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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.Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 175 An interior and exterior appraisal was completed for this property – see pg 56 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 431, and copy of the appraisal was given to the borrower – see Pg#'s 158for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/10/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.031%) equals or exceeds the California HPML threshold of (10.43%). The threshold is determined by adding 3.5 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 (6.93%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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.Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 175 An interior and exterior appraisal was completed for this property – see pg 56 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 431, and copy of the appraisal was given to the borrower – see Pg#'s 158for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/10/2025<br>|  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3566154 | N/A | N/A |
| XXXX | 713686 |  |  | Closed | 2025-03-10 06:30 | 2025-03-11 19:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.031%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 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 (6.93%).(12 CFR 1026.35(a)(1)(iii)) 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.Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 175 An interior and exterior appraisal was completed for this property – see pg 56 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 431, and copy of the appraisal was given to the borrower – see Pg#'s 158for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/10/2025 |  | Resolved-The loan's (11.031%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 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 (6.93%).(12 CFR 1026.35(a)(1)(iii)) 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.Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#'s 175 An interior and exterior appraisal was completed for this property – see pg 56 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 431, and copy of the appraisal was given to the borrower – see Pg#'s 158for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/10/2025<br>|  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3566152 | N/A | N/A |
| XXXX | 722838 |  |  | Closed | 2025-03-29 15:49 | 2025-04-02 19:34 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 12 Months | Resolved-Clarification received, borrower has been in the same line of work - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Borrower is not s/e and has been in the same line of work since XXXX - not an exception - Buyer-03/31/2025 <br> Open-Borrower has been employed < 2 years at current position - Due Diligence Vendor-03/29/2025 |  | Resolved-Clarification received, borrower has been in the same line of work - Due Diligence Vendor-04/02/2025<br>|  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3725800 | N/A | N/A |
| XXXX | 722838 |  |  | Closed | 2025-03-26 07:49 | 2025-04-02 19:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Loan amount > $XXXX - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/31/2025 <br> Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX Maximum Loan amount of $XXXX is exceeded. - Due Diligence Vendor-03/26/2025 |  | Waived-Loan amount > $XXXX - Due Diligence Vendor-04/02/2025 | XXXX |  | Residual Income is $10401.81. Minimum Residual Income required per guidelines is $3500. <br> No Credit lates <br> 0X30, 48 month mortgage<br> CA | Primary Residence | Refinance | Cash Out - Other | 3695387 | Originator Post-Close | Yes |
| XXXX | 722838 |  |  | Closed | 2025-03-26 05:42 | 2025-04-01 10:58 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/31/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Coverage amount not meet Loan amount need supporting doc for meeting Loan amount as per guidelines. - Due Diligence Vendor-03/26/2025 |  | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-04/01/2025 | XXXX |  | CA | Primary Residence | Refinance | Cash Out - Other | 3695032 | N/A | N/A |
| XXXX | 756221 |  |  | Closed | 2025-03-26 10:45 | 2025-04-02 20:20 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-Document received - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/31/2025 <br> Open-Missing HO-6 Master Insurance Policy Property type is Condo but missing HO-6 master insurance Policy in file. - Due Diligence Vendor-03/26/2025 |  | Resolved-Document received - Due Diligence Vendor-04/02/2025<br>| XXXX |  | CA | Primary Residence | Refinance | Cash Out - Other | 3695937 | N/A | N/A |
| XXXX | 756221 |  |  | Closed | 2025-03-26 10:11 | 2025-04-01 11:27 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-Questionnaire not required per GL's as subject has 2 units. Resolved - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/31/2025 <br>Open-HOA Questionnaire is Missing or Partial. Property type is Condo but missing HOA Questionnaire doc in file 2 unit property. Please advise - Due Diligence Vendor-03/26/2025 |  | Resolved-Questionnaire not required per GL's as subject has 2 units. Resolved - Due Diligence Vendor-04/01/2025<br>| XXXX |  | CA | Primary Residence | Refinance | Cash Out - Other | 3695740 | N/A | N/A |
| XXXX | 756221 |  |  | Closed | 2025-03-26 11:47 | 2025-03-26 11:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.578%) APR equals or exceeds the Federal HPML threshold of (10.35%). The threshold is determined by adding 3.5 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 (6.85%).(12 CFR 1026.35(a)(1)(iii)) 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 not Escrowing 2nd, escrow disclosures and loan information is on Pg#'s 389 and the Final Closing disclosure on Pg#'s 172 reflects escrows. Rate lock date was entered correctly – see Pg#'s 392, 171 An interior and exterior appraisal was completed for this property – see pg 38-49, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 468 and copy of the appraisal was given to the borrower – see Pg#'s 468 for the copy of the disclosure. First lien escrowed page 444The loan meets HPML guidelines. - Due Diligence Vendor-04/02/2025 |  | Resolved-The loan's (10.578%) APR equals or exceeds the Federal HPML threshold of (10.35%). The threshold is determined by adding 3.5 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 (6.85%).(12 CFR 1026.35(a)(1)(iii)) 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 not Escrowing 2nd, escrow disclosures and loan information is on Pg#'s 389 and the Final Closing disclosure on Pg#'s 172 reflects escrows. Rate lock date was entered correctly – see Pg#'s 392, 171 An interior and exterior appraisal was completed for this property – see pg 38-49, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 468 and copy of the appraisal was given to the borrower – see Pg#'s 468 for the copy of the disclosure. First lien escrowed page 444The loan meets HPML guidelines. - Due Diligence Vendor-04/02/2025<br>|  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3696344 | N/A | N/A |
| XXXX | 756221 |  |  | Closed | 2025-03-26 11:47 | 2025-03-26 11:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.578%) equals or exceeds the California HPML threshold of (10.35%). The threshold is determined by adding 3.5 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 (6.85%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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 not Escrowing 2nd, escrow disclosures and loan information is on Pg#'s 389 and the Final Closing disclosure on Pg#'s 172 reflects escrows. Rate lock date was entered correctly – see Pg#'s 392, 171 An interior and exterior appraisal was completed for this property – see pg 38-49, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 468 and copy of the appraisal was given to the borrower – see Pg#'s 468 for the copy of the disclosure. First lien escrowed page 444 The loan meets HPML guidelines. - Due Diligence Vendor-04/02/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.578%) equals or exceeds the California HPML threshold of (10.35%). The threshold is determined by adding 3.5 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 (6.85%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) 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 not Escrowing 2nd, escrow disclosures and loan information is on Pg#'s 389 and the Final Closing disclosure on Pg#'s 172 reflects escrows. Rate lock date was entered correctly – see Pg#'s 392, 171 An interior and exterior appraisal was completed for this property – see pg 38-49, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 468 and copy of the appraisal was given to the borrower – see Pg#'s 468 for the copy of the disclosure. First lien escrowed page 444 The loan meets HPML guidelines. - Due Diligence Vendor-04/02/2025<br>|  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3696345 | N/A | N/A |
| XXXX | 789009 |  |  | Closed | 2025-04-03 18:55 | 2025-05-16 20:14 | Resolved | 1 - Information C | Credit | Credit | Deficient Income Documentation | Resolved-Condition has been resolved to align with the new investor guidelines this loan was underwritten to. - Due Diligence Vendor-05/16/2025 <br>Waived-Use of bonus income, borrower has worked multiple jobs over the past 3 years. Page 157 - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/07/2025 <br>Open-Use of bonus income, borrower has worked multiple jobs over the past 3 years. The final amount used is less than the guaranteed amount for 2025 divided by 12. We took the amount earned in 2025 and divided by a full 12 months. Refer email conversation in page #157.<br> - Due Diligence Vendor-04/03/2025 |  | Resolved-Condition has been resolved to align with the new investor guidelines this loan was underwritten to. - Due Diligence Vendor-05/16/2025 <br>Waived-Use of bonus income, borrower has worked multiple jobs over the past 3 years. Page 157 - Due Diligence Vendor-04/08/2025<br>| XXXX |  | Residual Income $16,812,45<br> CLTV 58.93% max 80%<br> No late. <br> No mortgage late 0 x 30, 55 months NC | Primary Residence | Refinance | Cash Out - Other | 3776959 | N/A | N/A |
| XXXX | 789009 |  |  | Closed | 2025-04-03 18:47 | 2025-04-08 22:21 | Waived | 2 - Non-Material C | Credit | Assets | Asset Page Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements. Subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. Loan was UW to XXXX which their guidelines allow listed for sale past 6 months - Buyer-04/07/2025 <br> Open-Cash Out is not completed according to the guideline requirements Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? is showing as Yes in Appraisal and this is Refinance cash out file. - Due Diligence Vendor-04/03/2025 |  | Waived-Cash Out is not completed according to the guideline requirements. Subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date. - Due Diligence Vendor-04/08/2025<br>| XXXX |  | Residual Income $16,812,45<br> CLTV 58.93% max 80%<br> No late. <br> No mortgage late 0 x 30, 55 months NC | Primary Residence | Refinance | Cash Out - Other | 3776839 | Originator Post-Close | Yes |
| XXXX | 789009 |  |  | Closed | 2025-04-03 18:13 | 2025-04-08 22:20 | Waived | 2 - Non-Material C | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/07/2025 <br> Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX As per Matrix $XXXX is the maximum amount, however verified Loan amount is $XXXX. - Due Diligence Vendor-04/03/2025 |  | Waived-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-04/08/2025 | XXXX |  | Residual Income $16,812,45<br> CLTV 58.93% max 80%<br> No late. <br> No mortgage late 0 x 30, 55 months NC | Primary Residence | Refinance | Cash Out - Other | 3776292 | Originator Post-Close | Yes |
| XXXX | 722092 |  |  | Closed | 2025-04-12 17:44 | 2025-05-22 16:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount of $XXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. guidelines allow for loan amount - Buyer-04/16/2025 <br> Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-04/12/2025 |  | Resolved-Audited Loan Amount of $XXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-04/21/2025 | XXXX |  | Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX CA | Primary Residence | Refinance | Cash Out - Other | 3849140 | N/A | N/A |
| XXXX | 722092 |  |  | Closed | 2025-04-29 20:25 | 2025-05-14 14:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received clarification and finding has been resolved. - Due Diligence Vendor-05/14/2025 <br>Counter-Condition escalated for review by compliance. - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Required due to vesting in trust with both names - Seller-05/02/2025 <br>Counter-Please provide clarification on why did the second person signed the note if they are not applicant. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Open-The Final 1003 is Missing 1. Final 1003 signed by borrower shows they are qualifying for individual credit<br> 2. Missing final 1003 signed by co-borrower - Due Diligence Vendor-04/29/2025 | Ready for Review-Required due to vesting in trust with both names - Seller-05/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-Received clarification and finding has been resolved. - Due Diligence Vendor-05/14/2025<br>| XXXX |  | CA | Primary Residence | Refinance | Cash Out - Other | 3997967 | N/A | N/A |
| XXXX | 722092 |  |  | Closed | 2025-04-29 20:28 | 2025-05-02 18:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Open-Missing credit report/FICO score for co-borrower - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/02/2025<br>| XXXX |  | CA | Primary Residence | Refinance | Cash Out - Other | 3997995 | N/A | N/A |
| XXXX | 722092 |  |  | Closed | 2025-04-16 02:57 | 2025-04-29 20:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Finding resolved, joint disclosure provided - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/28/2025 <br>Ready for Review-Document Uploaded. COC was in error- we have joint disclosures- spouse had to be included due to 2nd trustee - Seller-04/25/2025 <br>Counter-There is a change of circumstance removing co borrower but two borrowers signed the note and we are missing co borrower documentation, please provide documentation for second borrower. - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. - Seller-04/24/2025 <br>Counter-Received DOT with vesting including spouse, Note showing 2 borrowers on the loan, missing 1003 and credit report for 2nd borrower - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. - Seller-04/22/2025 <br>Counter-Missing updated Note showing 1 borrower - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. Due to vesting co-trustees - Seller-04/17/2025 <br>Open-The Note is Missing Note having 2 borrowers and the change of circumstance Pgno 106 saying removing spouse from loan. - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025 <br>Ready for Review-Document Uploaded. COC was in error- we have joint disclosures- spouse had to be included due to 2nd trustee - Seller-04/25/2025 <br>Ready for Review-Document Uploaded. - Seller-04/24/2025 <br>Ready for Review-Document Uploaded. - Seller-04/22/2025 <br>Ready for Review-Document Uploaded. Due to vesting co-trustees - Seller-04/17/2025<br>| Resolved-Finding resolved, joint disclosure provided - Due Diligence Vendor-04/29/2025<br>| XXXX |  | CA | Primary Residence | Refinance | Cash Out - Other | 3874793 | N/A | N/A |
| XXXX | 722092 |  |  | Closed | 2025-04-12 18:18 | 2025-04-17 09:22 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Required Document Provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-04/17/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Ready for Review-obtaining documents - Seller-04/16/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/16/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage Amount is missing in file - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Ready for Review-obtaining documents - Seller-04/16/2025<br>| Resolved-Required Document Provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-04/17/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/17/2025 | XXXX |  | CA | Primary Residence | Refinance | Cash Out - Other | 3849214 | N/A | N/A |
| XXXX | 722092 |  |  | Closed | 2025-04-12 16:32 | 2025-04-17 09:21 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved- - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Open-Qualifying FICO on the Approval Page is '750', but the Qualifying FICO from the Credit Liabilities Page is '790' is incorrect, Required updated Approval document with correct fico score. - Due Diligence Vendor-04/12/2025 | Resolved-Updated Loan Approval provided, Finding Resolved - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/16/2025<br>|  | XXXX |  | CA | Primary Residence | Refinance | Cash Out - Other | 3848946 | N/A | N/A |

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## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 3**

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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** | **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** |
| 713686 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 24.19 | 69.23 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 722838 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 44.46 | 74.96 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 756221 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 26.32 | 70.55 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 789009 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 19.75 | 58.92 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 722092 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 23.08 | 54.9 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 4**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| 713686 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/31/2025 | 6.930% | Manual Underwriting | Manual Underwriting | No | 11.021% |  | 10.750% | 10.750% | $7001.11 | No | $20967.72 | $1747.31 | $7410.96 | $617.58 | $600.00 | $50.00 | $7498.94 | $16914.94 | $68255.35 | N/A | XXXX CA | $50.00 | 04/01/2025 | Monthly | 23.59% | 23.63% | 23.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 89370.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 734573.99 | 43.4 | No | 69.23 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 722838 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/04/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 10.043% |  | 9.750% | 9.750% | $5825.07 | No | $11297.52 | $941.46 | $576.00 | $48.00 | $7740.00 | $645.00 | $2083.66 | $9543.19 | $10401.81 | Yes | XXXX CA | $645.00 | 04/01/2025 | Monthly | 47.99% | 47.99% | 47.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2395.24 | 0.3 | 2395.24 | 0.3 | No | 74.96 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 756221 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/26/2025 | 6.850% | Manual Underwriting | Manual Underwriting | No | 10.567% |  | 10.000% | 10.000% | $6581.79 | No | $20002.56 | $1666.88 | $7119.12 | $593.26 | $0.00 | $0.00 | $5694.97 | $14536.90 | $42467.34 | N/A | XXXX CA | $0.00 |  | Monthly | 42.86% | 42.83% | 42.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 247982.77 | 17.1 | No | 70.55 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 789009 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/05/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.819% |  | 8.375% | 8.375% | $4180.40 | No | $11959.80 | $996.65 | $5964.00 | $497.00 | $1518.00 | $126.50 | $5587.30 | $11387.85 | $16812.45 | N/A | XXXX NC | $126.50 | 05/01/2025 | Annually | 48.51% | 46.79% | 46.79% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 13 | 13 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2023 | XXXX | XXXX NC | XXXX | XXXX | XXXX | XXXX |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | NC | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 27253.71 | 2.4 | No | 58.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| 722092 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/25/2025 | 6.850% | Manual Underwriting | Manual Underwriting | No | 9.239% |  | 8.750% | 8.750% | $5900.25 | No | $30684.72 | $2557.06 | $3939.12 | $328.26 | $3000.00 | $250.00 | $4375.35 | $13410.92 | $25262.59 | N/A | XXXX CA | $250.00 | 05/01/2025 | Monthly | 49.13% | 49.13% | 49.13% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX CA | XXXX | XXXX | XXXX | XXXX |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | United States | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 110686.43 | 8.3 | No | 54.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |

---

## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 5**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 713686 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 756221 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 789009 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 722092 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 722092 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7**

![](ex997001.jpg)

**Overview**

The StoneHill Group, Inc. ("TSG") performed certain due diligence services (the "Review") described below on loans backed by residential properties (both residential mortgage loans and small balance commercial loans secured by residential properties or mixed-use properties being leased to generate income; together the "Loans") acquired by Vista Point Mortgage, LLC (the "Client"). The Review took place from February 2025 – June 2025 on Loans with origination dates in January 2025 – May 2025 on files imaged and provided by the Client or its designee.

**Sample size of the assets reviewed.**

During the securitization review process, the Client may have removed loans that were reviewed by TSG from the securitization for paid-in-full mortgage loans or other undisclosed items to TSG. The final population of the Review included 248 Loans totaling an original principal balance of approximately $36,230,427.00. The review conducted by TSG covered 100% of the securitization loan population to the best of TSG's knowledge and understanding.

Within this population (the "Residential Population") there were 165 Loans that were reviewed by TSG according to nationally recognized statistical rating organizations (NRSRO(s)) standards. NRSRO standards include guidance for compliance, credit, and valuation, among others.

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

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

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

TSG compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The fields captured varied dependent upon such Loan being in the Residential Population or the SBCRE Population as defined below. Additional detail can be found in the result summary for Data Integrity below.

**NRSRO/RESIDENTIAL POPULATION (155 Fields)**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;AllBorrowerIncomefromEmploymentTotal | &nbsp;&nbsp;B2EthnicityHispanicorLatino | &nbsp;&nbsp;LoanType |
| &nbsp;&nbsp;AllBorrowerTotalIncome | &nbsp;&nbsp;B2EthnicityIdonotwishtoprovidethisinformation | &nbsp;&nbsp;MaturityDate |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;B2EthnicityMexican | &nbsp;&nbsp;MINNo |
| &nbsp;&nbsp;AmountofOtherLien | &nbsp;&nbsp;B2EthnicityOtherHispanicorLatino | &nbsp;&nbsp;MonthlyPropertyTaxAmount |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;B2EthnicityPuertoRican | &nbsp;&nbsp;NegativeAmortizationFlag |
| &nbsp;&nbsp;B1AnyOutstandingJudgments | &nbsp;&nbsp;B2EthnicityVisualObservationorSurname | &nbsp;&nbsp;NoteDate |
| &nbsp;&nbsp;B1Anypartofdownpaymentborrowed | &nbsp;&nbsp;B2FirstName | &nbsp;&nbsp;NoteType |
| &nbsp;&nbsp;B1Bankruptcyinpast7years | &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;NumberofBorrowers |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;B2MaritalStatus | &nbsp;&nbsp;NumberofMortgagedProperties |
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;B2MiddleName | &nbsp;&nbsp;NumberofUnits |
| &nbsp;&nbsp;B1CountryName | &nbsp;&nbsp;B2NameofEmployer1 | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;B1Doyouintendtooccupypropertyasprimaryresidence | &nbsp;&nbsp;B2OriginatorCitizenshipDesignation | &nbsp;&nbsp;OriginatorDocType |

---

![](ex997001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;B1EmailorInternet | &nbsp;&nbsp;B2RaceIdonotwishtoprovidethisinformation | &nbsp;&nbsp;OriginatorQMStatus |
| &nbsp;&nbsp;B1Employer1Position | &nbsp;&nbsp;B2RaceWhite | &nbsp;&nbsp;OtherLienLoanId |
| &nbsp;&nbsp;B1Employer1YearsinLineofWork | &nbsp;&nbsp;B2RentorOwn | &nbsp;&nbsp;PrepaymentPenalty |
| &nbsp;&nbsp;B1EthnicityCuban | &nbsp;&nbsp;B2SelfEmploymentFlag | &nbsp;&nbsp;PrepaymentPenaltyFlag |
| &nbsp;&nbsp;B1EthnicityHispanicorLatino | &nbsp;&nbsp;B2SexFemale | &nbsp;&nbsp;PrepaymentPenaltyTotalTerm |
| &nbsp;&nbsp;B1EthnicityIdonotwishtoprovidethisinformation | &nbsp;&nbsp;B2SexIdonotwishtoprovidethisinformation | &nbsp;&nbsp;PrepaymentPenaltyType |
| &nbsp;&nbsp;B1EthnicityMexican | &nbsp;&nbsp;B2SexMale | &nbsp;&nbsp;PrimaryAppraisedPropertyValue |
| &nbsp;&nbsp;B1EthnicityNotHispanicorLatino | &nbsp;&nbsp;B2SSN | &nbsp;&nbsp;PropertyAddress |
| &nbsp;&nbsp;B1EthnicityOtherHispanicorLatino | &nbsp;&nbsp;B2TelephoneInterview | &nbsp;&nbsp;PropertyCity |
| &nbsp;&nbsp;B1EthnicityPuertoRican | &nbsp;&nbsp;B2YearsinCurrentHome | &nbsp;&nbsp;PropertyCounty |
| &nbsp;&nbsp;B1EthnicityVisualObservationorSurname | &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;PropertyRights |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;BuydownFlag | &nbsp;&nbsp;PropertyState |
| &nbsp;&nbsp;B1Foreclosureinpast7years | &nbsp;&nbsp;CashDisbursementDate | &nbsp;&nbsp;PropertyTaxAmount |
| &nbsp;&nbsp;B1Haveyouhadownershipinpropertyinlast3years | &nbsp;&nbsp;CashOutMeetsGuidelineRequirements | &nbsp;&nbsp;PropertyType |
| &nbsp;&nbsp;B1Howwastitleheld | &nbsp;&nbsp;ClosingSettlementDate | &nbsp;&nbsp;PropertyValue |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;CLTV | &nbsp;&nbsp;PropertyZipCode |
| &nbsp;&nbsp;B1MaritalStatus | &nbsp;&nbsp;CreditQMATRDesignation | &nbsp;&nbsp;ProposedFirstMortgagePI |
| &nbsp;&nbsp;B1MiddleName | &nbsp;&nbsp;CurrentPAndIPayment | &nbsp;&nbsp;ProposedHazardInsurance |
| &nbsp;&nbsp;B1NameofEmployer1 | &nbsp;&nbsp;CUScore | &nbsp;&nbsp;ProposedHOA |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;DSCR | &nbsp;&nbsp;ProposedHousingExpense |
| &nbsp;&nbsp;B1OriginatorCitizenshipDesignation | &nbsp;&nbsp;EffectiveDateTitleCommitment | &nbsp;&nbsp;ProposedMortgageInsurance |
| &nbsp;&nbsp;B1OtherIncome | &nbsp;&nbsp;EscrowIndicator | &nbsp;&nbsp;ProposedOther |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;FHAStreamlineVAIRRLIndicator | &nbsp;&nbsp;ProposedOtherFinancingPI |
| &nbsp;&nbsp;B1RaceIdonotwishtoprovidethisinformation | &nbsp;&nbsp;FinalReviewedQMStatus | &nbsp;&nbsp;ProposedRealEstateTaxes |
| &nbsp;&nbsp;B1RaceWhite | &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;PUDRider |
| &nbsp;&nbsp;B1RentorOwn | &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;QMQualifyingTotalHousingExpensePITIA |
| &nbsp;&nbsp;B1SelfEmploymentFlag | &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;QualifyingCLTV |
| &nbsp;&nbsp;B1SexFemale | &nbsp;&nbsp;InitialOriginatorSignatureDate | &nbsp;&nbsp;QualifyingFICO |

---

![](ex997001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;B1SexIdonotwishtoprovidethisinformation | &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;QualifyingLTV |
| &nbsp;&nbsp;B1SexMale | &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;QualifyingTotalDebtIncomeRatio |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;LateChargeGracePeriod | &nbsp;&nbsp;QualifyingTotalHousingExpensePITIA |
| &nbsp;&nbsp;B1TelephoneInterview | &nbsp;&nbsp;LateChargePercent | &nbsp;&nbsp;RefinanceType |
| &nbsp;&nbsp;B1TotalIncome | &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;Term |
| &nbsp;&nbsp;B1YearsinCurrentHome | &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;TitleFromType |
| &nbsp;&nbsp;B2BirthDate | &nbsp;&nbsp;LoanID | &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;B2Citizen | &nbsp;&nbsp;LoanOriginationCompany | &nbsp;&nbsp;UnderwritingGuidelineLenderName |
| &nbsp;&nbsp;B2Doyouintendtooccupypropertyasprimaryresidence | &nbsp;&nbsp;LoanOriginationCompanyNMLS | &nbsp;&nbsp;UnderwritingGuidelineName |
| &nbsp;&nbsp;B2Employer1Position | &nbsp;&nbsp;LoanOriginatorName | &nbsp;&nbsp;UnderwritingGuidelineProductName |
| &nbsp;&nbsp;B2Employer1YearsinLineofWork | &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;UnderwritingGuidelineVersionDate |
| &nbsp;&nbsp;B2EthnicityCuban | &nbsp;&nbsp;LoanPurpose |  |

---

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

TSG's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination. The description below differentiates between the Residential Population and the SBCRE Population.

**Residential Population (165 Loans)**

TSG reviewed assets at origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to TSG. As 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, TSG 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:** TSG'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, TSG: (i) captured the monthly consumer debt payments for use in required calculations as required by guidelines, (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 required by guidelines, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** TSG 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

![](ex997001.jpg)

possible, was not 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:** TSG 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, TSG completed a review of large deposits and completed the reserve calculation. 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 conducted. During the course of this review, TSG (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgagee 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, (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.

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

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

**Fraud Review:** TSG 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, TSG conditioned the mortgage loan for the missing fraud report product.

If a report was present, TSG 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, TSG 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:** TSG's review included a review of the chain of title and the time 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:** TSG 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

![](ex997001.jpg)

such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is 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 or other applicable approved formats at the time of origination.

TSG also 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 (if required by loan product 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 History\* | &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Environmental reports |  |

---

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

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

Regarding the use of comparable properties, TSG's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether 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.

![](ex997001.jpg)

Additional facets of TSG'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 were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client if necessary (iv) confirming the appraisal report does not include any obvious 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 TSG, or if the valuation product was not directly accessible that another valuation product was directly accessible to TSG was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, TSG confirmed consistency among the valuation products. If there were discrepancies identified that could not be resolved, TSG created an exception.

**Residential Population (165 Loans)**

Please be advised that TSG did not determine whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly stated 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 TSG are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which TSG is relying in reaching such findings.

Regarding TILA-RESPA Integrated Disclosure ("TRID") testing, TSG implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope"). TSG will work with outside counsel as needed 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 TSG 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. TSG has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per TSG's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that TSG has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by TSG will result in the potential level of risk indicated by an Event Level or NRSRO grade. Please note that investment properties were excluded from TRID testing.

Please be further advised that TSG does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by TSG do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to TSG. Information contained in any TSG 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 TSG 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 TSG 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. TSG does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by TSG.

TSG 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:

![](ex997001.jpg)

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, TSG 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,
TSG's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any.
These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations
in the mortgage loan purchase agreement between the Client and seller correspondent.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u>![](ex997001.jpg)

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

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

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

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

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

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

**(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.

![](ex997001.jpg)

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained
the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex997001.jpg)

&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)).

TSG 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). TSG will determine the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, TSG notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, TSG notes if an originator mortgage loan designation was not provided.

**Qualified Mortgage**

With respect to Qualified Mortgage designated mortgage loans, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file and information provided to us by the client regarding Revised QM options chosen by the institution during the optional adoption period from March 1, 2021 through July 1, 2021: (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) for loans with application dates prior to July 1, 2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z); for loans with application dates of July 1, 2021 or after, at the interest rate-lock date, that the Price-Based Limitation calculation meets the requirement of the APR not exceeding the APOR for a comparable transaction by 2.25% or more.. 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, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied the requirements in the preceding paragraph. In addition, TSG reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan with an application date prior to July 1, 2021, that satisfied the applicable requirements enumerated above, TSG 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, TSG 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.

 

**General Ability to Repay**

TSG 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.

 

![](ex997001.jpg)

 

TSG 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"). TSG 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. TSG's review is based on information contained in the mortgage loan file at the time it is provided to TSG 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) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VII) 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;**

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

**(IX) Recording Review**

TSG 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 TSG reviewed the mortgage loans and thus have not yet been recorded. TSG 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, TSG will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(X) FIRREA Review**

TSG confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, TSG 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.

**(XI) Document Review**

TSG 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;

![](ex997001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T and/or 4506C as applicable;

&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.

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 above.

**OVERALL RESULTS GRADING SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections below, 100%

of the Loans by number in the pool possessed a grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;173 | &nbsp;&nbsp;87.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;25 | &nbsp;&nbsp;12.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198** | &nbsp;&nbsp;**100.0%** |

---

**COMPLIANCE RESULTS SUMMARY**

198 Loans (100%) received an "A" compliance grade, and 0 Loans (0%) received a compliance grade of "B"

The resulting Compliance Grades for the mortgage loans are as follows:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;198 | &nbsp;&nbsp;100.0% |

---

![](ex997001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198** | &nbsp;&nbsp;**100.0%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;173 | &nbsp;&nbsp;87.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;25 | &nbsp;&nbsp;12.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198** | &nbsp;&nbsp;**100.0%** |

---

**PROPERTY RESULTS SUMMARY**

Within the securitization population, 75.25% of the Loans possessed an "A" or "B" grade. The remaining 24.75%, 49 loans, possessed a grade of N/A as allowed for second lien loans where there is a primary valuation in file but without a secondary valuation product.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;148 | &nbsp;&nbsp;74.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;49 | &nbsp;&nbsp;24.75% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198** | &nbsp;&nbsp;**100.0%** |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY**

TSG verified data field variances across 155 unique data fields. Some Loans may have exhibited multiple variances which, in some cases, may have resulted from blank data in a submitted data tape. A summary is provided below:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;AllBorrowerIncomefromEmploymentTotal | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;AllBorrowerTotalIncome | &nbsp;&nbsp;5 | &nbsp;&nbsp;24 | &nbsp;&nbsp;20.83% |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;177 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;AmountofOtherLien | &nbsp;&nbsp;21 | &nbsp;&nbsp;22 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;12 | &nbsp;&nbsp;71 | &nbsp;&nbsp;16.9% |
| &nbsp;&nbsp;B1AnyOutstandingJudgments | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |

---

![](ex997001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;B1Anypartofdownpaymentborrowed | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1Bankruptcyinpast7years | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1CountryName | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1Doyouintendtooccupypropertyasprimaryresidence | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1EmailorInternet | &nbsp;&nbsp;13 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1Employer1Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1Employer1YearsinLineofWork | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1EthnicityCuban | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1EthnicityHispanicorLatino | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1EthnicityIdonotwishtoprovidethisinformation | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1EthnicityMexican | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1EthnicityNotHispanicorLatino | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;B1EthnicityOtherHispanicorLatino | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1EthnicityPuertoRican | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1EthnicityVisualObservationorSurname | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;5 | &nbsp;&nbsp;191 | &nbsp;&nbsp;2.62% |
| &nbsp;&nbsp;B1Foreclosureinpast7years | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1Haveyouhadownershipinpropertyinlast3years | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40% |
| &nbsp;&nbsp;B1Howwastitleheld | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;9 | &nbsp;&nbsp;194 | &nbsp;&nbsp;4.64% |
| &nbsp;&nbsp;B1MaritalStatus | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1MiddleName | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1NameofEmployer1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25% |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;20% |
| &nbsp;&nbsp;B1OriginatorCitizenshipDesignation | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1OtherIncome | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;41 | &nbsp;&nbsp;43 | &nbsp;&nbsp;95.35% |

---

![](ex997001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;B1RaceIdonotwishtoprovidethisinformation | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1RaceWhite | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1RentorOwn | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SelfEmploymentFlag | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.5% |
| &nbsp;&nbsp;B1SexFemale | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SexIdonotwishtoprovidethisinformation | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SexMale | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;70 | &nbsp;&nbsp;1.43% |
| &nbsp;&nbsp;B1TelephoneInterview | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1TotalIncome | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;B1YearsinCurrentHome | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B2BirthDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2Doyouintendtooccupypropertyasprimaryresidence | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2Employer1Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2Employer1YearsinLineofWork | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B2EthnicityCuban | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B2EthnicityHispanicorLatino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2EthnicityIdonotwishtoprovidethisinformation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2EthnicityMexican | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B2EthnicityOtherHispanicorLatino | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B2EthnicityPuertoRican | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B2EthnicityVisualObservationorSurname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2MaritalStatus | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2MiddleName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2NameofEmployer1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;B2OriginatorCitizenshipDesignation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |

---

![](ex997001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;B2RaceIdonotwishtoprovidethisinformation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2RaceWhite | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2RentorOwn | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2SelfEmploymentFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2SexFemale | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2SexIdonotwishtoprovidethisinformation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2SexMale | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2TelephoneInterview | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2YearsinCurrentHome | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;14 | &nbsp;&nbsp;70 | &nbsp;&nbsp;20% |
| &nbsp;&nbsp;BuydownFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CashDisbursementDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CashOutMeetsGuidelineRequirements | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ClosingSettlementDate | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;123 | &nbsp;&nbsp;151 | &nbsp;&nbsp;81.46% |
| &nbsp;&nbsp;CreditQMATRDesignation | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;CurrentPAndIPayment | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CUScore | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;14 | &nbsp;&nbsp;88 | &nbsp;&nbsp;15.91% |
| &nbsp;&nbsp;EffectiveDateTitleCommitment | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;EscrowIndicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;FHAStreamlineVAIRRLIndicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;FinalReviewedQMStatus | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;69 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;5 | &nbsp;&nbsp;21 | &nbsp;&nbsp;23.81% |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InitialOriginatorSignatureDate | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20% |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;5 | &nbsp;&nbsp;74 | &nbsp;&nbsp;6.76% |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;196 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LateChargeGracePeriod | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LateChargePercent | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |

---

![](ex997001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;4 | &nbsp;&nbsp;75 | &nbsp;&nbsp;5.33% |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;45 | &nbsp;&nbsp;164 | &nbsp;&nbsp;27.44% |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;27 | &nbsp;&nbsp;192 | &nbsp;&nbsp;14.06% |
| &nbsp;&nbsp;LoanOriginationCompany | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40% |
| &nbsp;&nbsp;LoanOriginationCompanyNMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanOriginatorName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;6 | &nbsp;&nbsp;45 | &nbsp;&nbsp;13.33% |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;18 | &nbsp;&nbsp;194 | &nbsp;&nbsp;9.28% |
| &nbsp;&nbsp;LoanType | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;MaturityDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;58 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;MINNo | &nbsp;&nbsp;1 | &nbsp;&nbsp;62 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;MonthlyPropertyTaxAmount | &nbsp;&nbsp;3 | &nbsp;&nbsp;12 | &nbsp;&nbsp;25% |
| &nbsp;&nbsp;NegativeAmortizationFlag | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;2 | &nbsp;&nbsp;37 | &nbsp;&nbsp;5.41% |
| &nbsp;&nbsp;NoteType | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NumberofBorrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NumberofMortgagedProperties | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;37 | &nbsp;&nbsp;192 | &nbsp;&nbsp;19.27% |
| &nbsp;&nbsp;OriginatorDocType | &nbsp;&nbsp;23 | &nbsp;&nbsp;24 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;OriginatorQMStatus | &nbsp;&nbsp;28 | &nbsp;&nbsp;90 | &nbsp;&nbsp;31.11% |
| &nbsp;&nbsp;OtherLienLoanId | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PrepaymentPenalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyTotalTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyType | &nbsp;&nbsp;2 | &nbsp;&nbsp;84 | &nbsp;&nbsp;2.38% |
| &nbsp;&nbsp;PrimaryAppraisedPropertyValue | &nbsp;&nbsp;1 | &nbsp;&nbsp;58 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;3 | &nbsp;&nbsp;193 | &nbsp;&nbsp;1.55% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;2 | &nbsp;&nbsp;193 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;PropertyCounty | &nbsp;&nbsp;2 | &nbsp;&nbsp;69 | &nbsp;&nbsp;2.9% |
| &nbsp;&nbsp;PropertyRights | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;3 | &nbsp;&nbsp;192 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;PropertyTaxAmount | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;77 | &nbsp;&nbsp;182 | &nbsp;&nbsp;42.31% |
| &nbsp;&nbsp;PropertyValue | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;4 | &nbsp;&nbsp;193 | &nbsp;&nbsp;2.07% |

---

![](ex997001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;ProposedFirstMortgagePI | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20% |
| &nbsp;&nbsp;ProposedHazardInsurance | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedHOA | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedHousingExpense | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20% |
| &nbsp;&nbsp;ProposedMortgageInsurance | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedOther | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedOtherFinancingPI | &nbsp;&nbsp;27 | &nbsp;&nbsp;29 | &nbsp;&nbsp;93.1% |
| &nbsp;&nbsp;ProposedRealEstateTaxes | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PUDRider | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;QMQualifyingTotalHousingExpensePITIA | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;QualifyingCLTV | &nbsp;&nbsp;22 | &nbsp;&nbsp;31 | &nbsp;&nbsp;70.97% |
| &nbsp;&nbsp;QualifyingFICO | &nbsp;&nbsp;9 | &nbsp;&nbsp;171 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;QualifyingLTV | &nbsp;&nbsp;23 | &nbsp;&nbsp;95 | &nbsp;&nbsp;24.21% |
| &nbsp;&nbsp;QualifyingTotalDebtIncomeRatio | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;QualifyingTotalHousingExpensePITIA | &nbsp;&nbsp;17 | &nbsp;&nbsp;38 | &nbsp;&nbsp;44.74% |
| &nbsp;&nbsp;RefinanceType | &nbsp;&nbsp;5 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;TitleFromType | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;19 | &nbsp;&nbsp;46 | &nbsp;&nbsp;41.3% |
| &nbsp;&nbsp;UnderwritingGuidelineLenderName | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;UnderwritingGuidelineName | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;UnderwritingGuidelineProductName | &nbsp;&nbsp;28 | &nbsp;&nbsp;85 | &nbsp;&nbsp;32.94% |
| &nbsp;&nbsp;UnderwritingGuidelineVersionDate | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100% |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

*The % of Loans totals may not add up to 100% due to rounding.*

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;198.0 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$36230427.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$36230427.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |

---

![](ex997001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;163.0 | &nbsp;&nbsp;82.32% | &nbsp;&nbsp;$29684563.00 | &nbsp;&nbsp;81.93% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.01% | &nbsp;&nbsp;$304000.00 | &nbsp;&nbsp;0.84% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;33.0 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$6241864.00 | &nbsp;&nbsp;17.23% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$36230427.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;103.0 | &nbsp;&nbsp;52.02% | &nbsp;&nbsp;$19905999.00 | &nbsp;&nbsp;54.94% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;5.0 | &nbsp;&nbsp;2.53% | &nbsp;&nbsp;$514000.00 | &nbsp;&nbsp;1.42% |
| &nbsp;&nbsp;Condominium | &nbsp;&nbsp;14.0 | &nbsp;&nbsp;7.07% | &nbsp;&nbsp;$1870773.00 | &nbsp;&nbsp;5.16% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;65.0 | &nbsp;&nbsp;32.83% | &nbsp;&nbsp;$12044386.00 | &nbsp;&nbsp;33.24% |
| &nbsp;&nbsp;Two to Four Unit | &nbsp;&nbsp;11.0 | &nbsp;&nbsp;5.56% | &nbsp;&nbsp;$1895269.00 | &nbsp;&nbsp;5.23% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$36230427.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;197.0 | &nbsp;&nbsp;99.49% | &nbsp;&nbsp;$36130427.00 | &nbsp;&nbsp;99.72% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$100000.00 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$36230427.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;TX | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;1.52% | &nbsp;&nbsp;$427000.00 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;FL | &nbsp;&nbsp;21.0 | &nbsp;&nbsp;10.61% | &nbsp;&nbsp;$3050404.00 | &nbsp;&nbsp;8.42% |
| &nbsp;&nbsp;NV | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.02% | &nbsp;&nbsp;$428750.00 | &nbsp;&nbsp;1.18% |
| &nbsp;&nbsp;WA | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.02% | &nbsp;&nbsp;$391900.00 | &nbsp;&nbsp;1.08% |
| &nbsp;&nbsp;NY | &nbsp;&nbsp;5.0 | &nbsp;&nbsp;2.53% | &nbsp;&nbsp;$829000.00 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;SC | &nbsp;&nbsp;10.0 | &nbsp;&nbsp;5.05% | &nbsp;&nbsp;$1050976.00 | &nbsp;&nbsp;2.9% |
| &nbsp;&nbsp;MA | &nbsp;&nbsp;5.0 | &nbsp;&nbsp;2.53% | &nbsp;&nbsp;$700300.00 | &nbsp;&nbsp;1.93% |
| &nbsp;&nbsp;OH | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.02% | &nbsp;&nbsp;$340300.00 | &nbsp;&nbsp;0.94% |
| &nbsp;&nbsp;GA | &nbsp;&nbsp;6.0 | &nbsp;&nbsp;3.03% | &nbsp;&nbsp;$603650.00 | &nbsp;&nbsp;1.67% |
| &nbsp;&nbsp;ID | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;1.52% | &nbsp;&nbsp;$324600.00 | &nbsp;&nbsp;0.9% |
| &nbsp;&nbsp;CA | &nbsp;&nbsp;68.0 | &nbsp;&nbsp;34.34% | &nbsp;&nbsp;$18312403.00 | &nbsp;&nbsp;50.54% |
| &nbsp;&nbsp;UT | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$59700.00 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;MN | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.01% | &nbsp;&nbsp;$156800.00 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;OR | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;1.52% | &nbsp;&nbsp;$450750.00 | &nbsp;&nbsp;1.24% |
| &nbsp;&nbsp;IL | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$62750.00 | &nbsp;&nbsp;0.17% |
| &nbsp;&nbsp;IN | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.02% | &nbsp;&nbsp;$278300.00 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;MT | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;1.52% | &nbsp;&nbsp;$381750.00 | &nbsp;&nbsp;1.05% |
| &nbsp;&nbsp;VA | &nbsp;&nbsp;6.0 | &nbsp;&nbsp;3.03% | &nbsp;&nbsp;$839600.00 | &nbsp;&nbsp;2.32% |

---

![](ex997001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;AL | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$125000.00 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;CO | &nbsp;&nbsp;7.0 | &nbsp;&nbsp;3.54% | &nbsp;&nbsp;$1192524.00 | &nbsp;&nbsp;3.29% |
| &nbsp;&nbsp;KY | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$86687.00 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;CT | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.01% | &nbsp;&nbsp;$403978.00 | &nbsp;&nbsp;1.12% |
| &nbsp;&nbsp;PA | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.01% | &nbsp;&nbsp;$253000.00 | &nbsp;&nbsp;0.7% |
| &nbsp;&nbsp;NC | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.01% | &nbsp;&nbsp;$123700.00 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;AZ | &nbsp;&nbsp;10.0 | &nbsp;&nbsp;5.05% | &nbsp;&nbsp;$2127003.00 | &nbsp;&nbsp;5.87% |
| &nbsp;&nbsp;TN | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.02% | &nbsp;&nbsp;$429800.00 | &nbsp;&nbsp;1.19% |
| &nbsp;&nbsp;NH | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$125000.00 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;NJ | &nbsp;&nbsp;13.0 | &nbsp;&nbsp;6.57% | &nbsp;&nbsp;$2285802.00 | &nbsp;&nbsp;6.31% |
| &nbsp;&nbsp;NM | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$150000.00 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;DC | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$239000.00 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$36230427.00** | &nbsp;&nbsp;**100.0%** |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 1**

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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?** |
| REDACTED |  | 816724 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | Yes | Yes | No | No | No | No | No | No | No | No | 281 | 12.304 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 846854 | REDACTED | 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 | 1770 | 9.368 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 841259 | REDACTED | 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 | 4447.45 | 10.878 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 847345 | REDACTED | 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 | 4760 | 8.681 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 826619 | REDACTED | 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 | 6137.25 | 10.797 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 812697 | REDACTED | 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 | 5535.36 | 11.265 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 865795 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | No | Yes | No | No | No | No | No | No | No | No | No | 430 | 10.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 865649 | REDACTED | 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 | 3442.66 | 9.396 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10766.94 | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 838585 | REDACTED | 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 | 2165 | 10.053 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 888685 | REDACTED | 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 | 3978.85 | 10.339 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 863922 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 814046 | REDACTED | 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 | Yes | 4901.94 | 9.803 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10527.09 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 813398 | REDACTED | 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 | 5208.75 | 11.587 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4087.02 | N/A | Retired | Not Employed | No | No | No |  |
| REDACTED |  | 820015 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 3120 | 11.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 868737 | REDACTED | 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 | 3419.11 | 12.242 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 851788 | REDACTED | 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 | 2064.76 | 9.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5121.91 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 803305 | REDACTED | 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 | 4669.06 | 13.087 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 834888 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 4455 | 10.828 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 870093 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 13544 | 11.02 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 862773 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | No | No | No | No | No | No | No | No | No | No | No | 346.84 | 12.237 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4794.46 | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 846320 | REDACTED | 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 | 1730 | 9.173 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 827394 | REDACTED | 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 | 3741.29 | 9.168 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 884591 | REDACTED | 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 | 2299 | 10.071 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 824403 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 2934.27 | 11.288 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 872722 | REDACTED | 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 | 3481 | 10.392 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 812566 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 1474 | 12.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 844439 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 2542.6 | 12.47 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 830500 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A |  | N/A | Employed | Employed | No | No | Yes | Present |
| REDACTED |  | 896851 | REDACTED | 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 | Yes | 5432.52 | 10.103 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 883087 | REDACTED | 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 | 5375 | 9.813 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 809848 | REDACTED | 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 | 8541.5 | 9.232 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14419.69 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 815795 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 2348 | 10.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 847698 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7080 | 10.019 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7156.86 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 843601 | REDACTED | 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 | 2577 | 9.496 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2861.7 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 835784 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | Yes | N/A |
| REDACTED |  | 864016 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8668 | 12.036 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 889388 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 3455 | 11.362 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 830562 | REDACTED | 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 | 2447.6 | 9.76 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 874829 | REDACTED | 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 | Yes | 4918.75 | 10.149 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 851378 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6596.23 | 11.439 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 865350 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 892475 | REDACTED | 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 | 2295 | 8.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 880086 | REDACTED | 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 | Yes | 5307.1 | 9.495 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 814798 | REDACTED | 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 | 2877.11 | 8.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 864388 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | Yes | Yes | No | No | No | No | No | No | No | No | 2935.92 | 10.521 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | 815465 | REDACTED | 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 | 2036 | 9.14 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 830186 | REDACTED | 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 | Yes | 5625 | 9.172 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 875694 | REDACTED | 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 | 5757.5 | 10.293 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 890487 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | No | Yes | No | No | No | No | No | No | No | No | No | 1790 | 10.104 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 847146 | REDACTED | 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 | 1535 | 9.934 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 894204 | REDACTED | 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 | Yes | 12175 | 10.329 | Yes | Yes | N/A | Yes | Yes | N/A | No | No | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 850954 | REDACTED | 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 | 1790 | 9.182 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Not Employed | Employed | No | No | No |  |
| REDACTED |  | 877572 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 9710 | 10.828 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 840466 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 5685 | 11.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 815591 | REDACTED | 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 | 4620 | 13.384 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | 821745 | REDACTED | 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 | 1063.75 | 9.587 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 818588 | REDACTED | 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 | 3285.1 | 9.661 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | 899466 | REDACTED | 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 | 3630 | 9.226 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | 892947 | REDACTED | 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 | 3890 | 9.19 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 876546 | REDACTED | 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 | 1100 | 9.56 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 872191 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 3915.02 | 11.171 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4210.47 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 878314 | REDACTED | 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 | 2194 | 10.474 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 803356 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 6843 | 10.904 | Yes | No | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 861148 | REDACTED | 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 | 1200 | 10.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 823509 | REDACTED | 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 | Yes | 9745 | 9.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 817612 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 2265 | 11.182 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2468.09 | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | 838021 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 6954.85 | 10.206 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 806159 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | Yes | N/A |
| REDACTED |  | 832512 | REDACTED | 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 | Yes | 5863 | 9.966 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 832627 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 3500 | 13.033 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 818408 | REDACTED | 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 | 1790 | 9.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 848217 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | No | Yes | No | No | No | No | No | No | No | No | No | 8145 | 9.471 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | Yes | N/A |
| REDACTED |  | 875831 | REDACTED | 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 | 795 | 10.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 865617 | REDACTED | 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 | 3188.75 | 11.765 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 841296 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 2440 | 12.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | Yes | N/A |
| REDACTED |  | 836240 | REDACTED | 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 | 3330 | 9.435 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 801548 | REDACTED | 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 | 1895 | 8.313 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 812254 | REDACTED | 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 | 1095 | 10.135 | Yes | N/A | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | 859075 | REDACTED | 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 | 9500 | 9.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 829784 | REDACTED | 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 | 7095 | 8.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 819318 | REDACTED | 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 | 2194 | 9.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 840352 | REDACTED | 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 | 3901 | 9.45 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | 851074 | REDACTED | 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 | 3094.95 | 10.451 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 887679 | REDACTED | 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 | 2390 | 9.403 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 869440 | REDACTED | 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 | 3334 | 9.285 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Not Employed | Employed | No | No | No |  |
| REDACTED |  | 816697 | REDACTED | 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 | 3890 | 11.183 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 812221 | REDACTED | 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 | 3123.33 | 9.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 873283 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 1000 | 13.593 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 829423 | REDACTED | 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 | 11102.96 | 10.467 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 885761 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | No | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 824119 | REDACTED | 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 | 2542.08 | 9.177 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 822960 | REDACTED | 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 | 2720 | 9.23 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 887718 | REDACTED | 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 | 3959.8 | 9.316 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 876325 | REDACTED | 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 | 2585 | 13.932 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | 816863 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 0 | 11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 822034 | REDACTED | 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 | 4690 | 10.568 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 832333 | REDACTED | 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 | 3050 | 9.494 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 882755 | REDACTED | 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 | Yes | 11790 | 9.488 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 804845 | REDACTED | 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 | Yes | 8580 | 9.276 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 845134 | REDACTED | 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 | 7375 | 11.357 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 833853 | REDACTED | 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 | 2194 | 9.312 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 845599 | REDACTED | 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 | 5245.9 | 10.246 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 899010 | REDACTED | 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 | 3422.87 | 12.471 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 890620 | REDACTED | 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 | Yes | 5915 | 8.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 821864 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8030 | 11.55 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 102539.12 | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 827201 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3078.63 | 13.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 889194 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2200 | 10.172 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 869799 | REDACTED | 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 | 5795 | 11.958 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 816023 | REDACTED | 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 | 9494.04 | 13.89 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 809932 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 5157 | 11.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 829421 | REDACTED | 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 | 3682.2 | 10.022 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 811968 | REDACTED | 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 | 2825 | 9.804 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 868177 | REDACTED | 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 | 4861.34 | 10.013 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 864499 | REDACTED | 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 | 1535 | 9.619 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 809924 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5400.2 | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 866157 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2200.45 | 10.509 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | No | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 878471 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 4474 | 10.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3919.11 | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 880063 | REDACTED | 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 | 795 | 8.982 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 883664 | REDACTED | 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 | 495 | 9.681 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 824626 | REDACTED | 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 | Yes | 10645 | 10.013 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 862405 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 10595 | 10.274 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 894935 | REDACTED | 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 | 14911.58 | 10.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24973.79 | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 816564 | REDACTED | 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 | 634.95 | 9.338 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 865790 | REDACTED | 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 | 1953 | 9.487 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 813971 | REDACTED | 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 |
| REDACTED |  | 822485 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | Yes | N/A |
| REDACTED |  | 853830 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 880208 | REDACTED | 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 | Yes | 5872.5 | 10.057 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 893816 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | Yes | Yes | No | No | No | No | No | No | No | No | 2484.5 | 10.882 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 848679 | REDACTED | 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 | 5865 | 11.425 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6428.65 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 844283 | REDACTED | 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 | 2850 | 10.386 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 881541 | REDACTED | 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 | 1436.8 | 9.514 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 880345 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 4260 | 12.105 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 811461 | REDACTED | 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 | 4442 | 12.627 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5473.73 | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 834695 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8168.32 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 862723 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 1455 | 10.275 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5539.64 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 814349 | REDACTED | 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 | 9898 | 8.925 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 806854 | REDACTED | 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 | 593.19 | 10.121 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | 860308 | REDACTED | 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 | 3390.4 | 10.062 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 898847 | REDACTED | 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 | 4208.09 | 11.6 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 854860 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No | Not Tested |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 890178 | REDACTED | 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 | 9395 | 10.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 810630 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 822 | 9.637 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired | Employed | No | No | No |  |
| REDACTED |  | 824966 | REDACTED | 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 | 11495 | 11.304 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20027.42 | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 873359 | REDACTED | 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 | Yes | 8489 | 9.197 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired | Employed | No | No | No |  |
| REDACTED |  | 890676 | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | Yes | APOR Threshold | No | Yes | Yes | No | No | No | No | No | No | No | No | 1672.5 | 10.968 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | 817405 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 6838.39 | 10.811 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 848574 | REDACTED | 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 | 2987.36 | 9.485 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | 847456 | REDACTED | 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 | 4130 | 10.544 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | 896348 | REDACTED | 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 | 4195 | 8.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Not Employed | Employed | No | No | No |  |
| REDACTED |  | 894173 | REDACTED | 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 | 1500 | 9.569 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 869715 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 3332.25 | 13.418 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 830741 | REDACTED | 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 | 3278 | 10.042 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 898227 | REDACTED | 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 | 1898 | 8.419 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 860285 | REDACTED | 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 | 4045 | 9.973 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 819861 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | No | Yes | No | No | No | No | No | No | No | No | No | 2374.38 | 9.983 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5642.15 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 849902 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5645 | 10.832 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 841110 | REDACTED | 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 | 1695 | 10.744 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Not Employed | Employed | No | No | No |  |
| REDACTED |  | 850389 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | No | Yes | No | No | No | No | No | No | No | No | No | 495 | 9.807 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 881601 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | N/A | Yes | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 856846 | REDACTED | 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 | 3915 | 9.333 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49678.17 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 839874 | REDACTED | 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 | 930.05 | 10.168 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 824555 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2490 | 11.923 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 885247 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 851599 | REDACTED | 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 | 3420 | 9.499 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 857052 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 850608 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 7180 | 11.305 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4607.04 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 889817 | REDACTED | 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 | 1895 | 9.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10240.49 | N/A | Not Employed | Employed | No | No | No |  |
| REDACTED |  | 829391 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 838568 | REDACTED | 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 | 2942.05 | 10.135 | Yes | N/A | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | 856155 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 3175.59 | 11.315 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 817541 | REDACTED | 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 | 1700 | 9.264 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 877543 | REDACTED | 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 | 1745 | 9.066 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 850780 | REDACTED | 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 | No | Yes | Present |
| REDACTED |  | 816442 | REDACTED | 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 | 4975.42 | 12.3 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 818847 | REDACTED | 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 |  |  | Unknown | Unknown | No | No | Yes | Present |
| REDACTED |  | 868065 | REDACTED | 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 |
| REDACTED |  | 866313 | REDACTED | 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 |
| REDACTED |  | 837365 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 828421 | REDACTED | 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 | 5995 | 9.14 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 816671 | REDACTED | 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 | 8207.12 | 13.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 845404 | REDACTED | 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 |
| REDACTED |  | 821210 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 3050 | 10.529 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 876592 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | Present |
| REDACTED |  | 896866 | REDACTED | 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 | 2690 | 9.583 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23025.75 | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 889735 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 23595 | 10.415 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 858849 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes | Appendix Q Documentation | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 863139 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 848045 | REDACTED | 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 | 4320 | 8.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 808482 | REDACTED | 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 | 2589.16 | 9.454 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 852095 | REDACTED | 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 | 3110 | 9.696 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 844562 | REDACTED | 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 | 4324 | 10.524 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 836831 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 2999.75 | 12.008 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | 808352 | REDACTED | 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 | Yes | 5570 | 9.637 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 849847 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 2588.45 | 10.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 838232 | REDACTED | 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 | 3225.32 | 10.193 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 873543 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 815201 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| REDACTED |  | **816724** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **816724** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **816724** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **846854** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **846854** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **841259** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Per first lien UPB on credit report |
| REDACTED |  | **847345** | REDACTED | Loan ID | manual | REDACTED | REDACTED | Matches |
| REDACTED |  | **847345** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Matches |
| REDACTED |  | **847345** | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Same |
| REDACTED |  | **847345** | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per the app date |
| REDACTED |  | **847345** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Same |
| REDACTED |  | **826619** | REDACTED | Loan ID | manual | REDACTED | REDACTED | Per loan approval |
| REDACTED |  | **826619** | REDACTED | HOA Flag | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **826619** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Per first lien UPB |
| REDACTED |  | **812697** | REDACTED | Proposed Real Estate Taxes | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **812697** | REDACTED | Proposed Other | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **812697** | REDACTED | Proposed Hazard Insurance | the1008Page | REDACTED | REDACTED | from the note |
| REDACTED |  | **812697** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **812697** | REDACTED | Proposed Housing Expense | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **812697** | REDACTED | Proposed HOA | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **812697** | REDACTED | Proposed Mortgage Insurance | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **812697** | REDACTED | REDACTED | the1003Page | REDACTED | REDACTED | from the ID card |
| REDACTED |  | **812697** | REDACTED | Borrower 2 Employer 1 Years in Line of Work | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **812697** | REDACTED | REDACTED | the1003Page | REDACTED | REDACTED | from the ID card |
| REDACTED |  | **812697** | REDACTED | Borrower 1 Employer 1 Years in Line of Work | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **812697** | REDACTED | B1 Country Name | the1003Page | REDACTED | REDACTED | from the ID card |
| REDACTED |  | **812697** | REDACTED | REDACTED | the1003Page | REDACTED | REDACTED | from the ID card |
| REDACTED |  | **812697** | REDACTED | Refinance Type | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **812697** | REDACTED | REDACTED | the1003Page | REDACTED | REDACTED | from the ID card |
| REDACTED |  | **812697** | REDACTED | Borrower 2 Years in Current Home | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **812697** | REDACTED | Borrower 1 Years in Current Home | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **812697** | REDACTED | Borrower 1 Have you had ownership in property in last 3 years? | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **812697** | REDACTED | REDACTED | the1003Page | REDACTED | REDACTED | from the ID card |
| REDACTED |  | **812697** | REDACTED | Borrower 2 Name of Employer1 | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **812697** | REDACTED | REDACTED | the1003Page | REDACTED | REDACTED | from the ID card |
| REDACTED |  | **812697** | REDACTED | REDACTED | the1003Page | REDACTED | REDACTED | from the ID card |
| REDACTED |  | **812697** | REDACTED | REDACTED | the1003Page | REDACTED | REDACTED | from the ID card |
| REDACTED |  | **812697** | REDACTED | Interest Only Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **812697** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **812697** | REDACTED | Negative Amortization Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **812697** | REDACTED | Property County | deedOfTrustPage | REDACTED | REDACTED | from the deed |
| REDACTED |  | **812697** | REDACTED | Number of Mortgaged Properties | creditLiabilitiesPage | REDACTED | REDACTED | Per 1003 |
| REDACTED |  | **865795** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **865795** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **865649** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | Note page 496, $1,651.23 |
| REDACTED |  | **865649** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **865649** | REDACTED | All Borrower Total Income | the1003Page | REDACTED | REDACTED | True Data calculated income matches 1008 and 1003. |
| REDACTED |  | **865649** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value |
| REDACTED |  | **865649** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **865649** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | Same value |
| REDACTED |  | **865649** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Note REDACTED |
| REDACTED |  | **838585** | REDACTED | CU Score | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **838585** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **838585** | REDACTED | Effective Date - Title Commitment | titlePage | REDACTED | REDACTED | Per Title policy |
| REDACTED |  | **838585** | REDACTED | Final Reviewed QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | **838585** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **838585** | REDACTED | Underwriting Guideline Lender Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **888685** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **888685** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **888685** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **888685** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **888685** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | from the initial 1003 |
| REDACTED |  | **888685** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **863922** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **863922** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **863922** | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | **863922** | REDACTED | Monthly Property Tax Amount | titlePage | REDACTED | REDACTED | From the tax cert |
| REDACTED |  | **863922** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **863922** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **814046** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **814046** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **813398** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value, entry difference |
| REDACTED |  | **813398** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | Note REDACTED with REDACTED payment |
| REDACTED |  | **813398** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | Same value, entry difference |
| REDACTED |  | **813398** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Note REDACTED with REDACTED payment |
| REDACTED |  | **820015** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **820015** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **820015** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **820015** | REDACTED | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **820015** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **868737** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **868737** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **868737** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **851788** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value and warrantable also noted on property page |
| REDACTED |  | **851788** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **851788** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **803305** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM NOTE |
| REDACTED |  | **803305** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | **803305** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM 1008 AND NOTE |
| REDACTED |  | **834888** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **834888** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **870093** | REDACTED | Property State | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **870093** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **870093** | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | from the final cd |
| REDACTED |  | **870093** | REDACTED | Monthly Property Tax Amount | titlePage | REDACTED | REDACTED |  |
| REDACTED |  | **870093** | REDACTED | HOA Flag | propertyValuationPage | REDACTED | REDACTED | PER APPRAISAL |
| REDACTED |  | **870093** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **870093** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **862773** | REDACTED | Property City | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **862773** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **862773** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **846320** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **846320** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **846320** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **846320** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **846320** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | Per loan docs |
| REDACTED |  | **827394** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **827394** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **884591** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **824403** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **824403** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **872722** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **872722** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **872722** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **812566** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **812566** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **812566** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **812566** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **812566** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | Per loan docs |
| REDACTED |  | **844439** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **844439** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **844439** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **844439** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **844439** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **844439** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | Per loan docs |
| REDACTED |  | **830500** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **830500** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | **830500** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **830500** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **830500** | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED loan closing in REDACTED |
| REDACTED |  | **896851** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **896851** | REDACTED | Other Lien Loan ID | secondHelocAdditionalDataPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **896851** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | **896851** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Mapping - 2 Years full doc per WVOE |
| REDACTED |  | **896851** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Peer first lien loan balance |
| REDACTED |  | **883087** | REDACTED | Lien Position | TitlePage | REDACTED | REDACTED | from the final cd |
| REDACTED |  | **883087** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | **883087** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **809848** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **809848** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | **809848** | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **809848** | REDACTED | HOA Flag | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **809848** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **815795** | REDACTED | Loan ID | manual | REDACTED | REDACTED | Tape data matches pdf file name |
| REDACTED |  | **815795** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | **815795** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **847698** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **847698** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | **847698** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **843601** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Appraisal page 2 reflects a 2-unoit subject property. |
| REDACTED |  | **843601** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | 1008 REDACTED & Note REDACTED |
| REDACTED |  | **843601** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | Same value |
| REDACTED |  | **843601** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | Rate REDACTED reflects loan program as REDACTED |
| REDACTED |  | **843601** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Note REDACTED |
| REDACTED |  | **835784** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the final cd |
| REDACTED |  | **835784** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **835784** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **835784** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | Per loan approval page 1 |
| REDACTED |  | **835784** | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **835784** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | **835784** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | **835784** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | **835784** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **835784** | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines vs application date REDACTED |
| REDACTED |  | **835784** | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **864016** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **864016** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **864016** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE INITIAL 1003 |
| REDACTED |  | **864016** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **864016** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **864016** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **889388** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **889388** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **830562** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **830562** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **830562** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Per most recent UPB of first llien |
| REDACTED |  | **830562** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **830562** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **874829** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | Same |
| REDACTED |  | **874829** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **874829** | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Same |
| REDACTED |  | **874829** | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Based on app date |
| REDACTED |  | **874829** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Same |
| REDACTED |  | **851378** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED |  |
| REDACTED |  | **851378** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **851378** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **851378** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **865350** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **865350** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **865350** | REDACTED | Property Address | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | **865350** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **865350** | REDACTED | Credit QM/ATR Designation | employmentIncomePage | REDACTED | REDACTED | ATR Lender documented All ATR UW Factors |
| REDACTED |  | **865350** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **865350** | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **892475** | REDACTED | Property City | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **892475** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **892475** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE INITIAL 1003 |
| REDACTED |  | **892475** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **892475** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **880086** | REDACTED | Proposed Real Estate Taxes | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **880086** | REDACTED | Proposed Hazard Insurance | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **880086** | REDACTED | Proposed Mortgage Insurance | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **880086** | REDACTED | Proposed Other | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **880086** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **880086** | REDACTED | Proposed HOA | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **880086** | REDACTED | Borrower 1 Name of Employer1 | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **880086** | REDACTED | Borrower 1 Employer 1 Years in Line of Work | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **880086** | REDACTED | Borrower 1 Years in Current Home | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **880086** | REDACTED | B1 Country Name | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **880086** | REDACTED | Loan Origination Company | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | **880086** | REDACTED | Refinance Type | the1003Page | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | **880086** | REDACTED | Negative Amortization Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **880086** | REDACTED | Interest Only Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **880086** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **814798** | REDACTED | Lien Position | TitlePage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **814798** | REDACTED | Borrower 1 Self-Employment Flag | employmentIncomePage | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **814798** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | **814798** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **864388** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **864388** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Non qm |
| REDACTED |  | **864388** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **815465** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **815465** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Per first lien UPB |
| REDACTED |  | **815465** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **815465** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **815465** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **830186** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Non qm |
| REDACTED |  | **830186** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **875694** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | The borrowers documents show REDACTED. On the Note, their signature REDACTED. The borrowers name appears to be REDACTED |
| REDACTED |  | **875694** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **875694** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **890487** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **890487** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | **890487** | REDACTED | Effective Date - Title Commitment | titlePage | REDACTED | REDACTED | Per Title doc page 289 |
| REDACTED |  | **890487** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **890487** | REDACTED | Final Reviewed QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | **890487** | REDACTED | Underwriting Guideline Lender Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **847146** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **847146** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | **847146** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **847146** | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **847146** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **847146** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **847146** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **847146** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **894204** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **894204** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **894204** | REDACTED | HOA Flag | propertyValuationPage | REDACTED | REDACTED | FROM APPRAISAL AND HOA DOCUMENT ON PAGE 390 |
| REDACTED |  | **850954** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | based on UW Calculations of Borrower 2 income |
| REDACTED |  | **850954** | REDACTED | Effective Date - Title Commitment | titlePage | REDACTED | REDACTED | From the Title provided |
| REDACTED |  | **850954** | REDACTED | CU Score | propertyValuationPage | REDACTED | REDACTED | From the CU doc |
| REDACTED |  | **850954** | REDACTED | Final Reviewed QM Status | diligenceFinalLookPage | REDACTED | REDACTED | NON qm |
| REDACTED |  | **850954** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Not REDACTED |
| REDACTED |  | **850954** | REDACTED | Underwriting Guideline Lender Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Not REDACTED |
| REDACTED |  | **840466** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **840466** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **840466** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **840466** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **815591** | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **815591** | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **815591** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the appraisal |
| REDACTED |  | **815591** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | **815591** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **821745** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the final cd |
| REDACTED |  | **818588** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **818588** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **899466** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **899466** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **899466** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **899466** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **892947** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **892947** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **892947** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | **892947** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **892947** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **892947** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **876546** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **876546** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **876546** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **876546** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **876546** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **876546** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **872191** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **872191** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value |
| REDACTED |  | **872191** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **872191** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | Same value |
| REDACTED |  | **872191** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **872191** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **878314** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **878314** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **878314** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **878314** | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | from the final cd |
| REDACTED |  | **878314** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **878314** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **803356** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **803356** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **803356** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **803356** | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | **803356** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **803356** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Same |
| REDACTED |  | **861148** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **861148** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **823509** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **823509** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | **823509** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **838021** | REDACTED | Proposed HOA | the1008Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **838021** | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **838021** | REDACTED | Proposed Other | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **838021** | REDACTED | Proposed Hazard Insurance | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **838021** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **838021** | REDACTED | Proposed Real Estate Taxes | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **838021** | REDACTED | Proposed Mortgage Insurance | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **838021** | REDACTED | Borrower 1 Employer 1 Years in Line of Work | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **838021** | REDACTED | Borrower 1 Have you had ownership in property in last 3 years? | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **838021** | REDACTED | REDACTED | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **838021** | REDACTED | Initial Originator Signature Date | complianceDetailPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **838021** | REDACTED | REDACTED | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **838021** | REDACTED | REDACTED | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **838021** | REDACTED | REDACTED | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **838021** | REDACTED | Borrower 1 Years in Current Home | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **838021** | REDACTED | B1 Country Name | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **838021** | REDACTED | Refinance Type | the1003Page | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | **838021** | REDACTED | Negative Amortization Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **838021** | REDACTED | Interest Only Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **838021** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **838021** | REDACTED | Property County | deedOfTrustPage | REDACTED | REDACTED | FROM THE DEED |
| REDACTED |  | **838021** | REDACTED | Number of Mortgaged Properties | creditLiabilitiesPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **838021** | REDACTED | Title Form Type | titlePage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **806159** | REDACTED | All Borrower Total Income | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **806159** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **806159** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **832512** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **832512** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **832627** | REDACTED | Loan ID | manual | REDACTED | REDACTED | First lien loan ID REDACTED |
| REDACTED |  | **832627** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | **832627** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **818408** | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | **818408** | REDACTED | Lien Position | TitlePage | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **818408** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | **818408** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **848217** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **848217** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **875831** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **875831** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **875831** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **875831** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **875831** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **865617** | REDACTED | Loan ID | manual | REDACTED | REDACTED | Mapping |
| REDACTED |  | **865617** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **865617** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **865617** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **841296** | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan id |
| REDACTED |  | **841296** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **841296** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **841296** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **836240** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **836240** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **836240** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **836240** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **836240** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **801548** | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **801548** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **801548** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Non qm loan |
| REDACTED |  | **801548** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Same |
| REDACTED |  | **801548** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **812254** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **812254** | REDACTED | Property State | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **812254** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **859075** | REDACTED | Property Zip Code | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **859075** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **819318** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | **819318** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **819318** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **819318** | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | from the final cd |
| REDACTED |  | **840352** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **851074** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **851074** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | FROM the 1008 |
| REDACTED |  | **887679** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **887679** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **887679** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **887679** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **869440** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE APPRAISAL |
| REDACTED |  | **869440** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **869440** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **816697** | REDACTED | Proposed Hazard Insurance | the1008Page | REDACTED | REDACTED | from the note |
| REDACTED |  | **816697** | REDACTED | Proposed HOA | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **816697** | REDACTED | Proposed Real Estate Taxes | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **816697** | REDACTED | Proposed Mortgage Insurance | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **816697** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **816697** | REDACTED | Proposed Other | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **816697** | REDACTED | B1 Country Name | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **816697** | REDACTED | Borrower 1 Employer 1 Years in Line of Work | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **816697** | REDACTED | Borrower 1 Other Income | the1003Page | REDACTED | REDACTED | from the note |
| REDACTED |  | **816697** | REDACTED | Borrower 2 Employer 1 Years in Line of Work | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **816697** | REDACTED | Borrower 2 Years in Current Home | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **816697** | REDACTED | Borrower 1 Years in Current Home | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **816697** | REDACTED | Interest Only Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **816697** | REDACTED | Negative Amortization Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **816697** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **816697** | REDACTED | Refinance Type | the1003Page | REDACTED | REDACTED | from the final cd |
| REDACTED |  | **812221** | REDACTED | Proposed Other | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **812221** | REDACTED | Proposed Mortgage Insurance | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **812221** | REDACTED | Proposed HOA | the1008Page | REDACTED | REDACTED | FROM THE FINAL 1008 |
| REDACTED |  | **812221** | REDACTED | Proposed Real Estate Taxes | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **812221** | REDACTED | Proposed Hazard Insurance | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **812221** | REDACTED | Proposed First Mortgage P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **812221** | REDACTED | B1 Country Name | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **812221** | REDACTED | Loan Origination Company | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | **812221** | REDACTED | Borrower 1 Other Income | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **812221** | REDACTED | Refinance Type | the1003Page | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | **812221** | REDACTED | Borrower 1 Years in Current Home | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **812221** | REDACTED | REDACTED | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **812221** | REDACTED | Interest Only Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **812221** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **812221** | REDACTED | Negative Amortization Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **873283** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **873283** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **873283** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **829423** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | Primary wage earner FICO |
| REDACTED |  | **829423** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **885761** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **885761** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **824119** | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **824119** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs. REDACTED |
| REDACTED |  | **824119** | REDACTED | Effective Date - Title Commitment | titlePage | REDACTED | REDACTED | Per Title doc |
| REDACTED |  | **824119** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **824119** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **824119** | REDACTED | Final Reviewed QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | **824119** | REDACTED | Underwriting Guideline Lender Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **822960** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **822960** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **887718** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **876325** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **876325** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **816863** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **816863** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **816863** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | **816863** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | **816863** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Per current first lien UPB + second mortgage |
| REDACTED |  | **822034** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **822034** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **822034** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **822034** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | Per 1003 |
| REDACTED |  | **822034** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **832333** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **882755** | REDACTED | Lien Position | TitlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **882755** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **882755** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **804845** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **804845** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **804845** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **804845** | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | from the final cd |
| REDACTED |  | **804845** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **804845** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **845134** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **845134** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **833853** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **833853** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **833853** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **833853** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **833853** | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | from the final cd |
| REDACTED |  | **833853** | REDACTED | Primary Appraised Property Value | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **833853** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **833853** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Same |
| REDACTED |  | **845599** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **845599** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **845599** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **845599** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **899010** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **899010** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **899010** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | **899010** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Same |
| REDACTED |  | **890620** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **890620** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **890620** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **890620** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **821864** | REDACTED | Loan ID | manual | REDACTED | REDACTED | Mortgage statement page 159 |
| REDACTED |  | **821864** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Same value, entry discrepancy. |
| REDACTED |  | **821864** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value, entry discrepancy. |
| REDACTED |  | **821864** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **827201** | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan id |
| REDACTED |  | **827201** | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **827201** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **827201** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Per most recent first lien UPB + second mortgage REDACTED |
| REDACTED |  | **889194** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **889194** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **869799** | REDACTED | Other Lien Loan ID | secondHelocAdditionalDataPage | REDACTED | REDACTED | Per mortgage statement |
| REDACTED |  | **869799** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | **869799** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **869799** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **816023** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **809932** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **809932** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **809932** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **829421** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **811968** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **811968** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **811968** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **811968** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Same |
| REDACTED |  | **811968** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Same |
| REDACTED |  | **811968** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **868177** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **868177** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **868177** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **868177** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | **868177** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | **868177** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | **864499** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **864499** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **864499** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | **864499** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **864499** | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **864499** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **864499** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **864499** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **864499** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | NOT DSCR |
| REDACTED |  | **864499** | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **864499** | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **809924** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | Second mortgaged cash out refinance |
| REDACTED |  | **809924** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value, REDACTEDsubject property |
| REDACTED |  | **809924** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Same value, only REDACTED |
| REDACTED |  | **866157** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **866157** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **866157** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **866157** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **866157** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Same |
| REDACTED |  | **866157** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **878471** | REDACTED | Loan ID | manual | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **878471** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **880063** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **880063** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **880063** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **880063** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **880063** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | **883664** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **883664** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **883664** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **883664** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **883664** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **883664** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **824626** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **824626** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **862405** | REDACTED | Other Lien Loan ID | secondHelocAdditionalDataPage | REDACTED | REDACTED |  |
| REDACTED |  | **862405** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **862405** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **862405** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **894935** | REDACTED | Property State | notePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **894935** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **894935** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | **894935** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | Note REDACTED reflects no balloon payment |
| REDACTED |  | **894935** | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **894935** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | Rounding discrepancy |
| REDACTED |  | **894935** | REDACTED | Monthly Property Tax Amount | titlePage | REDACTED | REDACTED | Rounding discrepancy |
| REDACTED |  | **894935** | REDACTED | HOA Flag | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **816564** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROMTHE 1008 |
| REDACTED |  | **816564** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Per most recent first lien UPB |
| REDACTED |  | **865790** | REDACTED | Property Zip Code | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **865790** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS LTV |
| REDACTED |  | **865790** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **813971** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Same |
| REDACTED |  | **813971** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **822485** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **822485** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **822485** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **822485** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **822485** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **822485** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **853830** | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan ID |
| REDACTED |  | **853830** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | fromt he 1008 |
| REDACTED |  | **853830** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **853830** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **853830** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **853830** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **853830** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **880208** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Same |
| REDACTED |  | **880208** | REDACTED | Credit QM/ATR Designation | employmentIncomePage | REDACTED | REDACTED | Same |
| REDACTED |  | **880208** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **880208** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Same |
| REDACTED |  | **880208** | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Based on the app date REDACTED |
| REDACTED |  | **893816** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **893816** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **848679** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **844283** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **844283** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **844283** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **844283** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | **881541** | REDACTED | Property Value | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **881541** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **881541** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **881541** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **880345** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **880345** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **880345** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE INITIAL 1003 |
| REDACTED |  | **880345** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE FIANL 1003 |
| REDACTED |  | **880345** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **880345** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Per most recent first lien UPB + second mortgage |
| REDACTED |  | **834695** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **862723** | REDACTED | Loan ID | manual | REDACTED | REDACTED | Loan ID form mortgage statement REDACTED |
| REDACTED |  | **862723** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | Same value |
| REDACTED |  | **862723** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **862723** | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | Tax total REDACTED |
| REDACTED |  | **814349** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **814349** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **814349** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **814349** | REDACTED | MIN No | deedOfTrustPage | REDACTED | REDACTED | from the deed |
| REDACTED |  | **814349** | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | from the final cd |
| REDACTED |  | **814349** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **806854** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | **806854** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **806854** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **860308** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | fromt he 1008 |
| REDACTED |  | **860308** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **898847** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **898847** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **898847** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **854860** | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan ID |
| REDACTED |  | **854860** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **854860** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **890178** | REDACTED | Note Date | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **890178** | REDACTED | PUD Rider | deedOfTrustPage | REDACTED | REDACTED | FROM THE DEED |
| REDACTED |  | **890178** | REDACTED | Other Lien Loan ID | secondHelocAdditionalDataPage | REDACTED | REDACTED | Per mortgage statement |
| REDACTED |  | **890178** | REDACTED | QM Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **810630** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VA CLTV |
| REDACTED |  | **810630** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **824966** | REDACTED | Other Lien Loan ID | secondHelocAdditionalDataPage | REDACTED | REDACTED |  |
| REDACTED |  | **824966** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **824966** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **873359** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **873359** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **873359** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **890676** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **890676** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **890676** | REDACTED | Property Address | notePage | REDACTED | REDACTED | FROM THE DEED/NOTE |
| REDACTED |  | **890676** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **817405** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **817405** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **817405** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE INITIAL 1003 |
| REDACTED |  | **817405** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **817405** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **848574** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **848574** | REDACTED | All Borrower Total Income | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **848574** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **848574** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **848574** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **847456** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **847456** | REDACTED | All Borrower Total Income | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **847456** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the final 1003 |
| REDACTED |  | **847456** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **896348** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **896348** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **896348** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **896348** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Per most recent first lien UPB |
| REDACTED |  | **894173** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **894173** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **894173** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **894173** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | FROM THE RATE LOCK CONFIRMATION |
| REDACTED |  | **894173** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **894173** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **869715** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **869715** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **830741** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **830741** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **830741** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Per most recent first lien UPB |
| REDACTED |  | **830741** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **830741** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **830741** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | Variance is as a result of REDACTED while REDACTED reflects REDACTED vs lender's REDACTED on REDACTED |
| REDACTED |  | **898227** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **898227** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **898227** | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | **898227** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **860285** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **860285** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **860285** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **860285** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **860285** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **819861** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | Same value |
| REDACTED |  | **849902** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | Primary wage earner FICO |
| REDACTED |  | **849902** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Per appraisal doc |
| REDACTED |  | **849902** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **841110** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **841110** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **850389** | REDACTED | Loan ID | manual | REDACTED | REDACTED | From the 1003 |
| REDACTED |  | **850389** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **850389** | REDACTED | Borrower 1 Total Income | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **850389** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **850389** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **850389** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE INITIAL 1003 |
| REDACTED |  | **850389** | REDACTED | Note Date | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **850389** | REDACTED | Borrower 1 Origination FICO | creditLiabilitiesPage | REDACTED | REDACTED | From the CR |
| REDACTED |  | **850389** | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | From the title |
| REDACTED |  | **881601** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Same |
| REDACTED |  | **881601** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **856846** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **856846** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | **856846** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **856846** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Note REDACTED |
| REDACTED |  | **839874** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **839874** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | based on docs and appraisal. |
| REDACTED |  | **839874** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **824555** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **885247** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **885247** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **885247** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **851599** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **851599** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **851599** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **851599** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Most recent first lien UPB + Second mortgage - page 66 |
| REDACTED |  | **857052** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | **857052** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | Per mortgage statement - REDACTED |
| REDACTED |  | **857052** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **857052** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | . |
| REDACTED |  | **857052** | REDACTED | Borrower 1 SSN | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | **857052** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | **857052** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Per first lien UPB + 2nd Mortgage |
| REDACTED |  | **850608** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | **850608** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | Credit REDACTED |
| REDACTED |  | **850608** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **850608** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Note REDACTED |
| REDACTED |  | **889817** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | **889817** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | **889817** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | **889817** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | **889817** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Status used per guidance. |
| REDACTED |  | **829391** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **829391** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **829391** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **829391** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | Same |
| REDACTED |  | **829391** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **838568** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **838568** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **838568** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **838568** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **838568** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **856155** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **856155** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **856155** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **856155** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **856155** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **817541** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **817541** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | NA |
| REDACTED |  | **817541** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **817541** | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NA |
| REDACTED |  | **877543** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **877543** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **877543** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **850780** | REDACTED | Property Zip Code | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | **850780** | REDACTED | Property Address | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **850780** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **850780** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | DSCR |
| REDACTED |  | **816442** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **816442** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | SAME |
| REDACTED |  | **818847** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | **818847** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **818847** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **818847** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | DSCR |
| REDACTED |  | **868065** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **868065** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **868065** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | DSCR |
| REDACTED |  | **868065** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **866313** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **866313** | REDACTED | Property Zip Code | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **866313** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **866313** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | DSCR |
| REDACTED |  | **837365** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **837365** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **837365** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **837365** | REDACTED | Closing/Settlement Date | hudClosingDetailPage | REDACTED | REDACTED | FROM THE HUD |
| REDACTED |  | **837365** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **828421** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **828421** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | First lien UPB + Second mortgage |
| REDACTED |  | **828421** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE FINAL 1003 |
| REDACTED |  | **828421** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **828421** | REDACTED | Borrower 1 Origination FICO | creditLiabilitiesPage | REDACTED | REDACTED | Primary wage earner FICO |
| REDACTED |  | **828421** | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | Per tax document |
| REDACTED |  | **816671** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **816671** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **845404** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | **845404** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **821210** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **821210** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **821210** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | OK |
| REDACTED |  | **876592** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **876592** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **876592** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **876592** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Bank Statement loan |
| REDACTED |  | **876592** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Same |
| REDACTED |  | **876592** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **896866** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **889735** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **863139** | REDACTED | Loan ID | manual | REDACTED | REDACTED |  |
| REDACTED |  | **863139** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **863139** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **863139** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **863139** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **863139** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | from the intial 1003 |
| REDACTED |  | **863139** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **863139** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **848045** | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **848045** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **848045** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **848045** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **808482** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **852095** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **852095** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **852095** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **852095** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **844562** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **836831** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **836831** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **808352** | REDACTED | Loan ID | manual | REDACTED | REDACTED |  |
| REDACTED |  | **808352** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **808352** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **808352** | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **808352** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE INITIAL 1003 |
| REDACTED |  | **808352** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **808352** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **808352** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **849847** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **849847** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **838232** | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **838232** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **838232** | REDACTED | All Borrower Total Income | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **838232** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **838232** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | FROM THE LOCK CONFIRMATION |
| REDACTED |  | **838232** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **838232** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **838232** | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **873543** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | 1st mtg |
| REDACTED |  | **873543** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same |
| REDACTED |  | **873543** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Same |
| REDACTED |  | **873543** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **873543** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **815201** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **815201** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **815201** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **815201** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **815201** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing 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?** |
| REDACTED |  | **816724** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Removed from title - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see updated title and title supplement to remove the item. On the updated title, the item is now REDACTED.<br> Thanks! - Buyer-REDACTED<br> Open-Updated - Property Title Issue 1. Lien with REDACTED - UCC financing statement must be removed/paid off - item K - REDACTED<br>REDACTED was paid off with closing per FInal CD. - Due Diligence Vendor-REDACTED<br> Open-Property Title Issue 1. Lien with REDACTED - UCC financing statement must be removed/paid off - item K - REDACTED<br> 2. Sch C - item 10 - financing statement w/REDACTED must be removed/apid off - page 707<br> - Due Diligence Vendor-REDACTED |  | Resolved-Removed from title - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **816724** C | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Statements received, lender calc worksheet matches final statement from REDACTED. Resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached full REDACTED months of asset statements. <br> Thanks! - Buyer-REDACTED<br> Open-ASSET DEPLETION FOR REDACTED WAS USED TO QUALIFY. REDACTED MONTHS ASSET STATEMENTS ARE REQUIRED, REDACTED STATEMENTS WERE PROVIDED FOR REDACTED. Most recent REDACTED statements prior to note date REDACTED are required. - Due Diligence Vendor-REDACTED |  | Resolved-Statements received, lender calc worksheet matches final statement from REDACTED. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **846854** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Lien referenced lien is the first mortgage on this property. Verified account number, amounts, open dates. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see page 10 of the attached fraud report. For the subject property address, the recording date and loan amount match what is on title. This is a second lien, so that item would remain on title. The open date and high credit amount also reflect the same on the credit report. <br> Thanks! - Seller-REDACTED<br> Counter-REDACTED is still listed on page 4, please advise. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached revised title.<br> Thanks! - Seller-REDACTED<br> Open-Property Title Issue Title policy requires evidence of payment and release of mortgage from Borrowers from REDACTED for REDACTED dated REDACTED and recorded REDACTED- page 983. Fraud report report also reflects the mortgage but the release of mortgage required is missing page 1048 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see page 10 of the attached fraud report. For the subject property address, the recording date and loan amount match what is on title. This is a second lien, so that item would remain on title. The open date and high credit amount also reflect the same on the credit report. <br> Thanks! - Seller-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached revised title.<br> Thanks! - Seller-REDACTED | Resolved-Lien referenced lien is the first mortgage on this property. Verified account number, amounts, open dates. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **846854** C | Closed | finding-3638 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached COC forms.<br> Thanks! - Buyer-REDACTED<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 REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED.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. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. POINTS INCRESED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. THE CREDIT REPORT FEE INCREASED REDACTED FROM THE INTIAL LE TO THE FINAL CD. A LENDER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD TO CURE THE INCREASE OF THE CREDIT REPORT FEE. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **846854** C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached COC forms.<br> Thanks! - Seller-REDACTED<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 $408.50.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). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. POINTS INCRESED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. THE CREDIT REPORT FEE INCREASED REDACTED FROM THE INTIAL LE TO THE FINAL CD. A LENDER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD TO CURE THE INCREASE OF THE CREDIT REPORT FEE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see the attached COC forms.<br> Thanks! - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841259** C | Closed | FCRE1342 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-REDACTED Business Bank Statements Provided - Due Diligence Vendor-REDACTED<br> Resolved-REDACTED bank statement received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Income calc worksheet through REDACTED stmt received. Need 1REDACTED bank statement. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Verified that borrowers business and personal expenses are combined. LOX accepted. The final statement in file is REDACTED, which is more than REDACTED days from the note date. The REDACTEDstatement and income calculation must be updated to meet guideline requirements for document age vs. note date. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Guidelines require two months business bank statements when using personal bank statements for qualification. <br>Guidelines:•  The borrower is to provide the most recent 24 or 12 months consecutive personal bank statements and two (2) months business bank statements (to support the borrower does maintain separate accounts, and to show business cash flows in order to utilize 100% of business-related deposits in personal account). - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-REDACTED months personal bank statements received. Most recent REDACTED months business bank statements still required per guidelines. <br>Guidelines:•  If the borrower maintains separate bank accounts for personal and business, only personal bank statements are used for qualifying.<br> •  The borrower is to provide the most recent 24 or 12 months consecutive personal bank statements and two (2) months business bank statements (to support the borrower does maintain separate accounts, and to show business cash flows in order to utilize 100% of business-related deposits in personal account). - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Business Bank Statements Missing - Lender qualified REDACTED using 12 months bank statement doc type, however, loan file contains REDACTED month of personal bank statement forREDACTED. See worksheet on page 610 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-REDACTED<br> Resolved-REDACTED bank statement received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841259** C | Closed | FCRE1195 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of % is less than or equal to Guideline CLTV of % - Due Diligence Vendor-REDACTED <br> Resolved-Credit report used for UW received, within guidelines. FICO REDACTED CLTV is REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. The file was underwritten off of a FICO REDACTED which allows for the LTV to go up to REDACTED - see uploaded credit report, - Seller-REDACTED<br> Open-Loan LTV of REDACTED exceeds Guidelines LTV of REDACTED for FICO score of REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The file was underwritten off of a FICO of REDACTED which allows for the LTV to go up to REDACTED max - see uploaded credit report, - Seller-REDACTED | Resolved-Audited CLTV of % is less than or equal to Guideline CLTV of % - Due Diligence Vendor-REDACTED<br> Resolved-Credit report used for UW received, within guidelines. FICO REDACTED. CLTV is under REDACTED per matrix. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841259** C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Resolved-First mortgage statement received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Credit supplement received. Investor guidelines require the actual first mortgage statement within 60 days of the note date. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Payoff statement for REDACTED received. The first mortgage statement (REDACTED) dated within 60 days of the closing date is required. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Missing first lien mortgage statement required by Guidelines REDACTED<br>Section 9.0 Senior Lien Documentation Requirements<br> Stand-Alone CES<br> •Current (within 60 days) first mortgage statement showing,<br> o Current principal balance.<br> o Fully amortized.<br> o Term. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Resolved-First mortgage statement received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841259** C | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Revised income calc worksheet received from lender - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. See the correct wkst uploaded - Seller-REDACTED<br> Open-Lender B1 income calculation does not match TPR. Per worksheet, eligible deposits are REDACTED Deposits x REDACTED expense factor = REDACTED/REDACTED=REDACTED/month. Lender 1008 is using REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See the correct wkst uploaded - Seller-REDACTED | Resolved-Revised income calc worksheet received from lender - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841259** C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<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. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841259** C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 REDACTED.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). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841259** C | Closed | FCRE1365 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Acknowledged- - Due Diligence Vendor-REDACTED<br> Resolved-REDACTED W2 transcripts received - post-closing/disbursement date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-REDACTED IRS Transcripts Missing - Missing REDACTED W2 Transcripts required by Guidelines for wage earners - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-REDACTED W2 transcripts received - post-closing/disbursement date. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | **847345** | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing The only Credit Report on file is dated REDACTED on page 45. The Note date is REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **826619** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Both REDACTED liens paid off with closing. Payoff statement matches company name on title. Payoff amount matches Final CD. - Due Diligence Vendor-REDACTED<br> Ready for Review-. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. The two REDACTED loans referenced were paid off at closing. I have included the payoff quote for REDACTED - Seller-REDACTED<br> Open-Property Title Issue Title schedule B - pg 331 - item #16 - REDACTED & #17 - REDACTED - unable to determine what company these are with from language on title. Copies of the financiang agreement addendums are required to determine there is no encumbrance on property OR verification they are paid in full & removed from title is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The twoREDACTED loans referenced were paid off at closing. I have included the payoff quote for REDACTED - Seller-REDACTED | Resolved-Both solar liens paid off with closing. Payoff statement matches company name on title. Payoff amount matches Final CD. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **826619** | Closed | FCRE1764 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Document received - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. Mortgage statement on page 25 is dated 12/16/24 and note date is 02/14/2025 (60 days) - Seller-03/03/2025 <br>Open-First mortgage statement within 60 days of note date is required. - Due Diligence Vendor-02/26/2025 | Ready for Review-Document Uploaded. Mortgage statement on page 25 is dated REDACTED and note date is REDACTED (REDACTED) - Seller-REDACTED | Resolved-Document received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED | TPO2412X098430 | **812697** C | Closed | FCRE1167 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Documents received. Condition cleared in accordance with FL Title XXXVII 627.7011 and checklist of coverage in file. - Due Diligence Vendor-REDACTED<br> Counter-All exceptions on second mortgage products are required to be approved by investor. Email verification from investor of approval is required for exception. (Lender exception form received.) - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. please see exception form request - Seller-REDACTED <br> Counter-Guidelines require coverage A equal to the amount of all liens or the RCE. There is no indication on the agent LOE or checklist that the replacement cost is guaranteed replacement cost & no RCE is provided. There is only the limit of insurance which is Coverage A. Coverage A does not cover the outstanding liens. Total liens must be covered by Coverage A with no RCE. - Due Diligence Vendor-REDACTED<br> Ready for Review-A REDACTED policy does not need to be equal to or exceed the lien amount. REDACTED policies are designed to provide basic coverage for high-risk properties, and lenders might require a certain amount of coverage, but it's not necessarily tied to the lien amount. - Seller-REDACTED<br> Counter-There is no indication on the agent LOE or checklist that the replacement cost is guaranteed replacement cost & no RCE is provided. There is only the limit of insurance which is Coverage A. Coverage A does not cover the outstanding liens. Total liens must be covered by Coverage A with no RCE. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Lender provided REDACTED statue verbiage indicating no RCEwill be provided. Coverage A must be increased to cover all outstanding liens on property. First and second liens total REDACTED. Coverage A is currently REDACTED + additional REDACTED for a total of REDACTED. Hazard insurance coverage is not sufficient. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Page 9 information is an explanation coverage. This is not the replacement cost estimate of the value of the home from the insurer. Please provide the replacement cost estimate. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Replacement Cost Estimator from HOI company required. Coverage A is not sufficient to cover all liens on property. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. please see exception form request - Seller-REDACTED<br> Ready for Review-A REDACTED policy does not need to be equal to or exceed the lien amount. REDACTED policies are designed to provide basic coverage for high-risk properties, and lenders might require a certain amount of coverage, but it's not necessarily tied to the lien amount. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Documents received. Condition cleared in accordance with FL Title XXXVII 627.7011 and checklist of coverage in file. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **865795** C | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Updated mortgage stmt received, prior to note date - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached updated mortgage statement.<br> Thanks! - Buyer-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement dated REDACTED is not within 60 days on Note required by Guidelines. Note date is REDACTED page 288,349 - Due Diligence Vendor-REDACTED |  | Resolved-Updated mortgage stmt received, prior to note date - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **865795** C | Closed | FPRO1253 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Desk Review received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached CDA.<br> Thanks! - Buyer-REDACTED<br> Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 Value in file is REDACTED. REDACTED to support value required per guidelines based on application date. - Due Diligence Vendor-REDACTED |  | Resolved-REDACTED received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **865649** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **838585** | Closed | FCOM9564 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Reissued RTC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Updated RTC required with new note. Terms of note changed. - Due Diligence Vendor-REDACTED<br> Ready for Review-We cannot go back & have the borrower back date the RTC since the new note was already signed on REDACTED & the rescission period would have ended on REDACTED. How can this condition be resolved? - Seller-REDACTED<br> Counter-A new RTC should have been issued with the new note. To resolve, the borrower has to be given the option for a new RTC period. Updated right to cancel is required based on the new note signature date. - Due Diligence Vendor-REDACTED<br> Ready for Review-We cannot go back & have the borrower back date the RTC since the new note was already signed on REDACTED & the rescission period would have ended on REDACTED. How can this condition be resolved? - Seller-REDACTED<br> Open-Updated right to cancel is required based on the new note signature date. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-We cannot go back & have the borrower back date the RTC since the new note was already signed on REDACTED & the rescission period would have ended on REDACTED. How can this condition be resolved? - Seller-REDACTED<br> Ready for Review-We cannot go back & have the borrower back date the RTC since the new note was already signed on REDACTED & the rescission period would have ended on REDACTED. How can this condition be resolved? - Seller-REDACTED | Resolved-Reissued RTC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **838585** | Closed | FCRE8201 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Lender attestation received REDACTED - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Lender Right to Cancel Attestation required - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Lender attestation received REDACTED - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **838585** | Closed | FCRE1440 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender clarification received that prior mortgage was REDACTED. 12 consecutive months of mortgage history confirmed with credit report. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Yes this does meet the requirements. The credit report and subsequent credit supplement for current mortgage with REDACTED have the required 6 months payments & then the prior mortgage with REDACTED shows 10 months. So there is CONCURRENT mortgage history on the credit report at 0x30x12 as REDACTED indicated would be acceptable. This needs to be escalated to someone please. - Seller-REDACTED<br> Counter-The REDACTED email in file indicates that 0x30x12 history is to be on the credit report. 0x30x12 months is not verified with the credit report. Borrowers' housing history of 6 months (REDACTED) and one month (REDACTED) per credit report does not meet Guidelines requirement of 0\*30\*12. Housing history verification is needed for REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. See email from REDACTED that confirmed I met the housing tradeline requirement for mortgage history. There is a prior mortgage with DLA of REDACTED, subject mortgage started reporting REDACTED - REDACTED confirmed if there was concurrent mortgage history of 0x30x12 that would be acceptable - Seller-REDACTED<br> Counter-Credit refresh received. Borrowers' housing history of 6 months (REDACTED and one month (REDACTED) per credit report does not meet Guidelines requirement of 0\*30\*12. 1008 UW Comments indicate prior housing mortgage payment history is in file - lender to advise, unable to locate, not on credit report. Housing history verification is needed for REDACTED- REDACTED. There is no mortgage on credit for these dates. The REDACTED mortgage last activity was REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Housing History Does Not Meet Guideline Requirements Borrowers' housing history of 6 months (REDACTED) and one month (REDACTEDk) per credit report does not meet Guidelines requirement of 0\*30\*12. 1008 UW Comments indicate prior housing mortgage payment history is in file - lender to advise, unable to locate, not on credit report. Previous housing payment verification for remaining 5 months is required. <br>Home is newly constructed in REDACTED - Fraud report reflects Borrower purchased land/property in REDACTED, transferred to Business (REDACTED) in REDACTED and then repurchased from REDACTED in REDACTED page 541,558. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Yes this does meet the requirements. The credit report and subsequent credit supplement for current mortgage with REDACTED have the required 6 months payments & then the prior mortgage with REDACTED shows 10 months. So there is CONCURRENT mortgage history on the credit report at 0x30x12 as REDACTED indicated would be acceptable. This needs to be escalated to someone please. - Seller-REDACTED<br> Ready for Review-Document Uploaded. See email from REDACTED that confirmed I met the housing tradeline requirement for mortgage history. There is a prior mortgage with DLA of REDACTED, subject mortgage started reporting REDACTED - REDACTED confirmed if there was concurrent mortgage history of 0x30x12 that would be acceptable - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Lender clarification received that prior mortgage was REDACTED. 12 consecutive months of mortgage history confirmed with credit report. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **838585** | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-. - Due Diligence Vendor-REDACTED <br> Resolved-First mtg stmt within 60 days of note date received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-REDACTED stmt received. The first mortgage statement on the REDACTED mortgage dated within 60 days of the note date is required. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Statement dated REDACTED showing due for REDACTED payment. - Seller-REDACTED<br> Counter-The mortgage statement date in file and re-uploaded reflects the statement date of REDACTED and payment due date of REDACTED. The note date is REDACTED. The first mortgage statement with a statement date within 60 days of note date is required. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. The REDACTED mortgage statement is only REDACTED days out not REDACTED. - Seller-REDACTED <br> Open-First mtg stmt must be within 60 days of note date. Mtg stmt on page 167 of file is expired. First mtg statement within 60 days of note date is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. Statement dated REDACTED showing due for February payment. - Seller-REDACTED<br> Ready for Review-Document Uploaded. The REDACTED mortgage statement is only REDACTEDdays out not REDACTED. - Seller-REDACTED | Resolved-. - Due Diligence Vendor-REDACTED<br> Resolved-First mtg stmt within 60 days of note date received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **838585** | Closed | FCRE5790 | REDACTED | REDACTED | 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-REDACTED<br> Resolved-Gap credit received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Credit refresh is dated REDACTED. - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Gap credit report dated REDACTED exceeds REDACTED days from Note REDACTED allowed by Guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Credit refresh is dated REDACTED. - Seller-REDACTED | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED<br> Resolved-Gap credit received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **838585** | Closed | FCRE5791 | REDACTED | REDACTED | 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-REDACTED<br> Resolved-Gap credit received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Credit refresh is dated REDACTED. - Seller-REDACTED <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Gap credit report dated REDACTED exceeds REDACTED days from NoteREDACTED allowed by Guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Credit refresh is dated REDACTED. - Seller-REDACTED | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED<br> Resolved-Gap credit received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **838585** | Closed | FCOM1226 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Balloon Rider is Missing | Resolved-The Balloon Rider is Present - Due Diligence Vendor-REDACTED <br> Resolved-PCCD provided removing balloon payment. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. This is not a balloon loan. See attached PCCD & COC removing the balloon payment. - Seller-REDACTED<br> Open-Balloon Rider is Missing Final CD reflects a balloon payment of REDACTED is due at the end of the REDACTED Year Term, however, loan file is missing Balloon Rider. Note does not indicate a ballon payment. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. This is not a balloon loan. See attached PCCD & COC removing the balloon payment. - Seller-REDACTED | Resolved-The Balloon Rider REDACTED - Due Diligence Vendor-REDACTED<br> Resolved-PCCD provided removing balloon payment. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **838585** | Closed | FCOM1208 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-The Note is Incomplete - i) Loan amortization per Note is REDACTED years (REDACTED to REDACTED) and corresponding Principal and interest amount is REDACTED, however, it appears Lender calculated using REDACTED amortization which resulted in Principal and interest amount of REDACTED stated on Note.<br> - ii) Final CD reflects a balloon payment of REDACTED is due at the end of the REDACTED, however, Guidelines allows only REDACTED or REDACTED Yr Term for Balloon payments for CES loans - page 8 of Guidelines dated REDACTED<br> - iii) The Note does not indicate Balloon payments - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-The Note is Present - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **838585** | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Credit report shows this is a TIMESHARE which is considered an INSTALLMENT loan per agency guidelines. The maintenance fees for the timeshare were verified & included in the DTI - this is showing in the liabilities as TIMESHARE MAINTENANCE with a monthly payment of REDACTED - Seller-REDACTED<br> Open-Verification of the property the REDACTED mortgage is on (not on subject property title or paid with final CD). Taxes & insurance information to be provided for this property to be included in DTI. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Credit report shows this is a TIMESHARE which is considered an INSTALLMENT loan per agency guidelines. The maintenance fees for the timeshare were verified & included in the DTI - this is showing in the liabilities as TIMESHARE MAINTENANCE with a monthly payment of REDACTED - Seller-REDACTED | Resolved-Resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **838585** | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Document Uploaded. TPR verification of property tax card from county. Home is verified to be on tax card. Resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. The property tax bill supplied was for REDACTED. They will not update the taxes until the REDACTED bill which comes out in REDACTED. Appraiser site is not updated either. Please waive this condiiton. - Seller-REDACTED<br> Open-Missing Evidence of Property Tax Tax cert - pg 457 - is on land only. Updated tax cert reflecting taxes with home now built on property required for correct DTI. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The property tax bill supplied was for REDACTED. They will not update the taxes until the REDACTED bill which comes out in REDACTED. Appraiser site is not updated either. Please waive this condiiton. - Seller-REDACTED | Resolved-Document Uploaded. TPR verification of property tax card from county. Home is verified to be on tax card. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **838585** | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC acknowledgment of points received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. COC dated REDACTED has the increase listed on it. - Seller-REDACTED<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. NO POINTS WERE DISCLOSED ON THE INITIAL LE. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. COC datedREDACTED has the increase listed on it. - Seller-REDACTED | Resolved-COC acknowledgment of points received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **838585** | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC acknowledgment of points received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. COC dated REDACTED has the increase listed on it. - Seller-REDACTED<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 REDACTED.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). NO POINTS WERE DISCLOSED ON THE INITIAL LE. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. COC dated REDACTED has the increase listed on it. - Seller-REDACTED | Resolved-COC acknowledgment of points received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **888685** | Closed | FCRE1764 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-REDACTED requires the first mortgage statement within 60 days. The credit supplment which was in file cannot be used in place of the first mortgage statement. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-First mortgage statement must be within 60 days of note date. Stmt in file (page 135 - REDACTED) is greater than 60 days from note date. REDACTED statement is needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **863922** | Closed | FCRE1764 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Modification docs received. Okay per REDACTED to use current modification guidelines (REDACTED). Modification occured effective REDACTED, docs signed REDACTED, more than REDACTEDmonths. Loan is fully amortizing over REDACTED months, maturity date of REDACTED. No neg-am, no balloon, and payments from the modification are principal and interest (no I/O). - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. REDACTED / loan modification docs - Seller-REDACTED<br> Ready for Review- - Due Diligence Vendor-REDACTED<br> Unable to Resolve-Unable to Resolve-Hello team: We got on a three way call with the borrower (REDACTED) and REDACTED said they cannot locate the original loan mod documents to provide to the borrower. They said that is likely why it was not recorded as well. Not sure what we can do. We spoke to REDACTED as well today. Please advise - Seller-REDACTED<br> Counter-Deed of Trust provided. Credit report reflects first lien is modified. Modification agreement/updated first mortgage note are required. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. See attached 1st lien recorded from original lender - Seller-REDACTED <br> Open-First mortgage (subject collateral) w/REDACTED shows a higher current balance than original. Loan modification note/documentation required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED/ loan modification docs - Seller-REDACTED<br> Unable to Resolve-Unable to Resolve-Hello team: We got on a three way call with the borrower (REDACTED) and REDACTED said they cannot locate the original loan mod documents to provide to the borrower. They said that is likely why it was not recorded as well. Not sure what we can do. We spoke to REDACTED as well today. Please advise - Seller-REDACTED<br> Ready for Review-Document Uploaded. See attached 1st lien recorded from original lender - Seller-REDACTED | Resolved-Modification docs received. Okay per REDACTED to use current modification guidelines (3REDACTED). Modification occured effective REDACTED docs signed REDACTED, more than REDACTED months. Loan is fully amortizing over REDACTED months, maturity date of REDACTED. No neg-am, no balloon, and payments from the modification are principal and interest (no I/O). - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **814046** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **813398** | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing Guidelines require a gap report within REDACTED days of note date is required if Note date is greater than REDACTED days after the date of the credit report relied upon for underwriting. However, the most recent credit report prior to closing was dated REDACTED with a note date of REDACTED is REDACTED days from note date. Credit dated REDACTED used for review with an REDACTED5 note date, not within guidelines. No GAP report as required was located in the file during review. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **813398** | Closed | FCRE5783 | REDACTED | REDACTED | 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-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 2 Gap Credit Report is Missing Guidelines require a gap report within REDACTED days of note date is required if Note date is greater than REDACTED days after the date of the credit report relied upon for underwriting. However, the most recent credit report prior to closing was dated REDACTED with a note date of REDACTED is REDACTED days from note date. Credit dated REDACTED used for review with an REDACTED note date, not within guidelines. No GAP report as required was located in the file during review. - Due Diligence Vendor-REDACTED5 | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **813398** | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Updated title coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title coverage of REDACTED, equal to new REDACTED lien note is required. However, Title page 294 reflects coverage of REDACTED only. The Title coverage is REDACTED below requirements. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br> Resolved-Updated title coverage received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **820015** | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED<br> Ready for Review-Docs match - resolved<br> Lender email comments - I wasn't able to print the shipped REDACTED, REDACTED and REDACTED showing the date originally printed. So, I have uploaded a screen shot showing documents were uploaded to REDACTED on REDACTED along with current dated versions <br> - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-REDACTED 3rd Party VOE Prior to Close Missing REDACTED VOE missing. Requirements: For self-employed verify existence of business within 30-days of the note date with one of the following:<br> o Letter from business tax professional.<br> o On-line verification from regulatory agency or licensing bureau.<br> o Certification verifying business existence through direct contact or internet search. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **868737** | Closed | FCOM1221 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Notary doc received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. HI,<br>This DOT has an all-purpose acknowledgement. Please find attached. <br> - Buyer-REDACTED<br> Open-DOT copy in file is not notarized - Due Diligence Vendor-REDACTED |  | Resolved-Notary doc received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **851788** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **803305** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **834888** | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. LOX attached to explain DTI is acceptable thank you - Seller-REDACTED<br> Open-Property tax certifiate received. Property taxes increased DTI to REDACTED, over guideline max of REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. LOX attached to explain DTI is acceptable thank you - Seller-REDACTED | Resolved-Resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **834888** | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing Evidence of Property Tax The only Tax information provided is on the Appraisal on page 32. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **834888** | Closed | FCOM4227 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-MISSING THE INITIAL CD. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Initial CD received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **834888** | Closed | FCRE5047 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Title coverage to cover lien amount received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Title coverage is less than loan amount. Increased title coverage required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Title coverage to cover lien amount received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **834888** | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing There is no VVOE on file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **834888** | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **834888** | Closed | FCRE4293 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-REDACTED statement received to coincide with REDACTED loans - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hello Good day!! This should not be required as the paystubs clearly show it's a REDACTED loan and no assets were used/needed for qualifying. This meets FNMA requirements. <br>We do have a copy of theREDACTED account if absolutely necessary, please see attached. To save time Thank you so much<br>- Seller-REDACTED<br> Open-Borrower has REDACTED loans on paystubs. BorrowerREDACTED statement is required. Per FNMA guidelines, "The lender is not required to include this contingent liability as part of the borrower's recurring monthly debt obligations provided the lender obtains a copy of the applicable loan instrument that shows the borrower's financial asset as collateral for the loan." - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hello Good day!! This should not be required as the paystubs clearly show it's a REDACTED loan and no assets were used/needed for qualifying. This meets FNMA requirements. <br>We do have a copy of the REDACTED account if absolutely necessary, please see attached. To save time Thank you so much<br>- Seller-REDACTED | Resolved-REDACTED statement received to coincide with REDACTED loans - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **870093** C | Closed | FCOM4438 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-PCCD reflects closing date as REDACTED5. All closing docs are dated REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Closing documents are dated REDACTED, but were signed by borrower on REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **862773** C | Closed | FCRE6763 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-P&L received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached P&L<br> Thanks! - Buyer-REDACTED<br> Counter-The income calculation based on tax returns is accepted. The bank statements for REDACTED are needed to support the income calculation. The section of guidelines referenced is: <br> 8.4.1 Full Doc for Stand-Alone<br> Self-employed borrowers:<br> • 1 or 2 years tax returns (business and personal) including all schedules.<br> •Current YTD P&L (borrower prepared ok), or 3 months bank statements.<br> •Qualifying income based on tax returns. P&L or bank statement to support tax return income.<br> •Tax transcripts - Due Diligence Vendor-REDACTED<br> Ready for Review-Hi,<br> Can you please disregard the bank statement. It was inadvertently added to the package. We used the tax returns to calculate all income. The cash out from the CD indicates the borrower didn't bring in any funds to close. <br> Thanks! - Buyer-REDACTED<br> Open-Business bank statement (pg 408) business name does not match business name on Schedule C of tax returns used for income calculation. Most recent business bank statement needed for REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-P&L received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **862773** C | Closed | finding-56 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | State Reg | Late Fees Test | Resolved- - Due Diligence Vendor-REDACTED<br> Open-This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, REDACTED will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. - Due Diligence Vendor-REDACTED |  | Resolved- - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **862773** C | Closed | FCRE1167 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED<br> Resolved-Amended Declarations have RCE stated. RCE is REDACTED. Policy is guaranteed replacement cost. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. On the "Amended Declarations" open the pdf, and then start scrolling down page 1, looking to the right, until your eyeballs catch the asterisk sign. \*Guaranteed Replacement Cost. This is also indicated on the amendment that is just adding the second loan. <br> Thanks! - Buyer-REDACTED<br> Open-RCE needed from insurance company to verify guaranteed replacement cost - Due Diligence Vendor-REDACTED |  | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED<br> Resolved-Amended Declarations have RCE stated. RCE is REDACTED. Policy is guaranteed replacement cost. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **846320** | Closed | FCRE3464 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-VVOE in file is greater than 10 days from note date - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **846320** | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Income worksheet received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **827394** | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Corrected final 1003 received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached final signed 1003 with both employers listed. <br> Thanks! - Buyer-REDACTED<br> Counter-Final 1003 has to be signed by the borrower. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached corrected final 1003.<br> Thanks! - Buyer-0REDACTED<br> Open-The borrower qualified with two W2 jobs; however, only one Employee and income was listed on the Final 1003 on page 627. - Due Diligence Vendor-REDACTED |  | Resolved-Corrected final 1003 received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **884591** C | Closed | finding-3866 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | ComplianceEase | Discount Fee Test | Resolved-Verification received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. letter re receipt of reimbursed funds and PCCD attached - Buyer-REDACTED<br> Counter-PCCD received - passes REDACTED state fees test. Please provide a copy of the letter verifying the PCCD was sent to the borrower and/or a docu-signed copy of the PCCD. - Due Diligence Vendor-REDACTED<br> Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Post closing CD uploaded reducing discount points to REDACTED - Buyer-REDACTED<br> Open-This loan failed the discount fee test. (REDACTED 1343.011(B))The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA. \*\*\*\*The (REDACTED) fees paid to lender exceed 2% of the note amount (REDACTED). Under the REDACTED Interest Provisions, the fees paid to the lender may not exceed 2% of the note amount for a non-Fannie Mae/Freddie Mac subordinate lien loan. (REDACTED Code 1343.011(B)(3))<br> - Due Diligence Vendor-REDACTED |  | Resolved-Verification received - Due Diligence Vendor-REDACTED<br> Resolved- - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **824403** | Closed | FCRE1254 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Title | Property Title Issue | Acknowledged-Exception to allow property tax of REDACTED due to remain unpaid and open as taxes & insurance are escrowed. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> We granted an exception for this. Please see attached.<br> Thanks! - Seller-REDACTED<br> Counter-This shows the payment as pending/not actually verified as paid. The FTP with the delinquent tax payment removed would also be accepted to clear the finding. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the more detailed receipt. Page 2 shows REDACTED taxes are paid. The amount matches items 7 and 8 on title. <br> Thanks! - Buyer-REDACTED<br> Counter-Tax receipt is missing date paid. Please provide a bank statement showing the amount paid with date that can be associated or a more detailed payment receipt containing the date paid. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached payment receipt.<br> Thanks! - Buyer-REDACTED<br> Open-Property Title Issue Missing evidence of outstanding property tax amount of REDACTED which must be paid on REDACTED per Title requirement page 517 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> We granted an exception for this. Please see attached.<br> Thanks! - Seller-REDACTED | Acknowledged-Exception to allow property tax of REDACTED due to remain unpaid and open as taxes & insurance are escrowed. - Due Diligence Vendor-REDACTED |  | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No |
| REDACTED |  | **824403** | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the "Definitions" section toward the bottom of page 2. It was disclosed that the seller has no affiliates. <br> Thanks! - Seller-REDACTED <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see the "Definitions" section toward the bottom of page 2. It was disclosed that the seller has no affiliates. <br> Thanks! - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **824403** | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Buyer-REDACTED<br> Open-Lender income worksheet is only in file for one set of bank statements (REDACTED/month). There are two sets of bank statements considered in income on 1008. Please provide the additional income calculation worksheet. - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED |  | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **872722** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **812566** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-First mortgage statement within 60 days of note date required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **844439** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Resolved-. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 IRS Transcripts Missing IRS W2 transcripts missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Resolved-. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **844439** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-FTP received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Title policy amount is less than the loan amount. Increased coverage to loan amount required. (pg. 195) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-FTP received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **830500** C | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Business docs received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-LOAN CLOSED IN NAME OF REDACTED. THE FOLLOWING DOCUMENTS ARE MISSING FROM LOAN FILE:<br> 1. OPERATING AGREEMENT<br> 2. ARTICLES OF INCORPORATION<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Business docs received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **896851** | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Resolved-First mortgage statment within 60 days of note date & prior to note date received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Document uploaded is blank, however a credit supplement cannot be used in place of the first mortgage statement within 60 days of the note date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Mortgage credit Supplemental _REDACTED- Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement dated REDACTED is not within 60 days required by Guidelines. Note date is REDACTED. page 38,116 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. Mortgage credit Supplemental _REDACTED - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED<br> Resolved-First mortgage statment within 60 days of note date & prior to note date received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **896851** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Resolved-submitted as full doc, program is wvoe only. resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-This is a WVOE only program, income type REDACTED). Per the Alt Doc WVOE requirements and Documentation guidelines, acceptable forms are "any other acceptable online income data vendor, as well as REDACTED. The WVOE is ordered through REDACTED but executed by REDACTED. This is acceptable as is. - Seller-REDACTED<br> Open-Borrower 1 IRS Transcripts Missing - Per Guidelines, W-2 transcripts are required for wage/salaried borrowers. - Due Diligence Vendor-REDACTED | Ready for Review-This is a WVOE only program, income type (REDACTED). Per the Alt Doc WVOE requirements and Documentation guidelines, acceptable forms are "any other acceptable online income data vendor, as well as REDACTED. The WVOE is ordered through REDACTED but executed by REDACTED. This is acceptable as is. - Seller-REDACTED | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Resolved-submitted as full doc, program is wvoe only. resolved. - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **883087** C | Closed | FCRE1748 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Certificate of Occupancy | Resolved-No legal/compliance requirement. RTC is correct. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Occupancy Affidavit signed on REDACTED after disbursement and page 2 of the affidavit is not complete/not filled out by the borrower acknowledging the property is not currently for sale and the date purchased. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-No legal/compliance requirement. RTC is correct. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **883087** C | Closed | FCRE8201 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-All documents reviewed, RTC is correct. No additional compliance requirements that were not met. - Due Diligence Vendor-REDACTED<br> Ready for Review-Subject property is located in REDACTED. There is no REDACTED regulation that closing or loan documents cannot be signed and dated on REDACTED, a non-business day. Additionally, we are compliant with the rescission rule. - Seller-REDACTED<br> Open-Loan appears to have closed/documents dated on a non-business day,REDACTED, REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Subject property is located in REDACTED. There is no REDACTED regulation that closing or loan documents cannot be signed and dated on REDACTED, a non-business day. Additionally, we are compliant with the rescission rule. - Seller-REDACTED | Resolved-All documents reviewed, RTC is correct. No additional compliance requirements that were not met. - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **883087** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-1. A copy of the notice of trustee's sale document - title #6, page 624/695 is required for review.<br> 2. There is no amount of title insurance coverage listed on the preliminary title. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **883087** C | Closed | FCRE2052 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Tax Cert | Resolved-Tax cert received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Tax Cert - pg 124/261 - not signed by settlement agent - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Tax cert received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **883087** C | Closed | finding-3652 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<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 (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). 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). A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE REVISED LE DATED REDACTED. THE LENDER CREDIT DECREASED TO $3585 ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FIL.E - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **883087** C | Closed | FCOM3075 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Signed Patriot Act form received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-US Patriot Act form not signed by closing agent - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Signed Patriot Act form received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **883087** C | Closed | FCOM4438 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved-PCCD with correct disbursment date of REDACTED received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - SellerREDACTED<br> Open-FInal CD (pg 92/261) is dated REDACTED as closing date & REDACTED as disbursement date. Final CD was signed on REDACTED. Right to Cancel was signed REDACTED with a RTC date of midnight on REDACTED. Disbursement not allowed until REDACTED per RTC. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-PCCD with correct disbursment date of REDACTED received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **883087** C | Closed | FCOM2276 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received disbursement date REDACTED - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Final CD shows note date & closing of REDACTED, disbursement date of REDACTED. Verification of actual disbursement date needed. Settlement statement in file indicates REDACTED, but a settlement statement cannot be accepted in place of a final CD. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-PCCD received disbursement date REDACTED- Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **883087** C | Closed | FVAL3825 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Resolved-PCI received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Property is in a FEMA impacted zip code. Valuations in file are prior to REDACTED. A Property Disaster Inspection is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-PCI received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **809848** C | Closed | FCRE1437 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Acknowledged-Investor allowing exception. Lender exception waiver received. Exception to allow use of wage income, asset depletion, and P&L income on loan. CLTV - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Email response also sent to lender with guidelines excerpt screenshot. This loan was submitted with The P&L, REDACTED income, and asset depletion - all income types for the same borrower. Per guidelines, that is not allowed which is why the DTI is over REDACTED%. "No income other than asset depletion can be combined with the P&L for the self-employed borrower." - Due Diligence Vendor-REDACTED <br> Ready for Review-From UW Mgr: <br>From my understanding is they do not allow P&L with w2 income? Or they didnt allow the asset utilization income / Wage income cannot be combined with P&L and asset depletion (page 27 guidelines)<br> Please refresh my memory if this is why the DTI exceeds allowable due to elimination of w2 income? If this is the case, curious to why the w2 income was necessary to keep ratio under REDACTED<br> - Seller-REDACTED<br> Ready for Review-Document Uploaded. VOE dated REDACTED and closed REDACTED - within the REDACTED days - Seller-REDACTED<br> Open-Income and Employment Do Not Meet Guidelines 1. LOE for asset depletion asset statement REDACTEDstatement with REDACTED. REDACTED statement from REDACTED. B1 still works at REDACTED, so LOE is needed to understand the rollover. <br> 2. IF wage income is added back via exception, VVOE for REDACTED within 10 days of note date is required.<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-From UW Mgr: <br>From my understanding is they do not allow P&L with w2 income? Or they didnt allow the asset utilization income / Wage income cannot be combined with P&L and asset depletion (page 27 guidelines)<br> Please refresh my memory if this is why the DTI exceeds allowable due to elimination of w2 income? If this is the case, curious to why the w2 income was necessary to keep ratio under REDACTED <br> - Seller-REDACTED<br> Ready for Review-Document Uploaded. VOE dated REDACTED and closed REDACTED - within the REDACTED days - Seller-REDACTED | Acknowledged-Investor allowing exception. Lender exception waiver received. Exception to allow use of wage income, asset depletion, and P&L income on loan. CLTV - Due Diligence Vendor-REDACTED |  | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | **809848** C | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of % is less than or equal to Guideline DTI of % - Due Diligence Vendor-REDACTED<br> Ready for Review-From UW Mgr: Please email REDACTED if any additional info is needed. Thank you <br>From my understanding is they do not allow P&L with w2 income? Or they didn't allow the asset utilization income / Wage income cannot be combined with P&L and asset depletion (page 27 guidelines)<br> Please refresh my memory if this is why the DTI exceeds allowable due to elimination of w2 income? If this is the case, curious to why the w2 income was necessary to keep ratio under REDACTED<br> - Seller-REDACTED<br> Open-Guidelines allow a maximum DTI of REDACTED. Audited DTI is REDACTED. <br>Wage income cannot be combined with P&L and asset depletion (page 27 guidelines). Wage income is lower than P&L income, so wage income was removed. <br>Asset depletion per lender was at REDACTED%, not required per guidelines. Asset depletion = REDACTED=REDACTED<br>P&L calculation with min expense factor of REDACTED% = REDACTED<br>The difference is due to Income for REDACTED REDACTED NOT being used (Guidelines require that no other income documentation type other than Asset Depletion can be combined with the P&L for the self-employed borrower), Asset depletion calculated at REDACTED vs 1008 REDACTED, Credit report debts of REDACTED vs 1008 REDACTED and Subject decrease in HOA of REDACTED page 91/440 vs 1008 REDACTED. The maximum allowed DTI of REDACTED% was exceeded. - Due Diligence Vendor-REDACTED | Ready for Review-From UW Mgr: Please email REDACTED if any additional info is needed. Thank you <br>From my understanding is they do not allow P&L with w2 income? Or they didn't allow the asset utilization income / Wage income cannot be combined with P&L and asset depletion (page 27 guidelines)<br> Please refresh my memory if this is why the DTI exceeds allowable due to elimination of w2 income? If this is the case, curious to why the w2 income was necessary to keep ratio under REDACTED<br> - Seller-REDACTED | Resolved-Audited DTI of % is less than or equal to Guideline DTI of % - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **809848** C | Closed | FCOM2660 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | CD: Refinance Statement Not Present | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. See attached title certified statement for REDACTED - Seller-REDACTED<br> Open-Property located at REDACTED refinanced REDACTEDFinal Closing Disclosure required. However, the Final Closing Disclosure for the simultaneously closing of property located at REDACTED was not located in the file as required. Verification of payoff for Note page 113 reflecting subject property and simultaneously closed REDACTED refinance. The Final CD is missing for simultaneous refinance of REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See attached title certified statement for REDACTED - Seller-REDACTED |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **809848** C | Closed | FCOM3527 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Post Consummation CD issued improperly | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. See attached post closer cert - Seller-REDACTED<br> Open-Explanation for PCCD section H needed. Final CD showed cash to borrower of REDACTED. PCCD (pg 1/146) shows cash now transferred via Section H to escrow and another loan. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See attached post closer cert - Seller-REDACTED |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **815795** | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-0REDACTED<br> Ready for Review-Document Uploaded. REDACTED attached - Seller-REDACTED<br> Open-Missing Third Party Fraud Report Guidelines page 18 require that all loans must be submitted to an automated fraud and data check tool REDACTED. A copy of the findings report must be provided in the loan file along with any documentation resolving any deficiencies or red flags noted. However, no automated fraud and data check tool was located in the file during review. The automated fraud and data check tool is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED attached - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **815795** | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED<br> Resolved-Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. FVOE attached for Borrower - Seller-REDACTED<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines page 22 require a Verbal VOE from each employer 10-days of the note date for wage and salaried employees. However, no Verbal VOE was located in the file for the Borrower during review. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. FVOE attached for Borrower - Seller-REDACTED | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br> Resolved-Resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **815795** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. IRS transcript attached - Seller-REDACTED<br> Open-B1 2024 W2 transcripts missing, Loan submitted as 2 yr full doc. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. IRS transcript attached - Seller-REDACTED | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **815795** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open- - Due Diligence Vendor-REDACTED | 1. Preliminary title does not list this lender, another lender is listed. This needs to be updated.<br> 2. Preliminary title does not list property taxes. - REDACTED<br>Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **847698** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **843601** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **835784** | Closed | FVAL8946 | REDACTED | REDACTED | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Desk review required as secondary valuation on investment property. CU submitted with file does not meet secondary value requirements. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **835784** | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received dated after closing date - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Pending transcripts - no new docs uploaded for this condition. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Pending trnascripts - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 IRS Transcripts Missing - Missing Borrower 1 W2 transcripts required by Guidelines for wage/salaried borrowers. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Acknowledged-Transcripts received dated after closing date - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | **835784** | Closed | FCRE1365 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Acknowledged-Transcripts received dated after closing date - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Pending transcripts - no new docs uploaded for this condition. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 2 IRS Transcripts Missing - Missing Borrower 2 W2 transcripts required by Guidelines for wage/salaried borrowers. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Acknowledged-Transcripts received dated after closing date - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | **835784** | Closed | FCRE1764 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing Verification of Mortgage | Acknowledged-FIrst mortgage statement dated within 60 days received. Mortgage statement is dated after note and disbursement date. CLTV calculated on balance at time of closing, not balance post-close. - Due Diligence Vendor-REDACTED<br> Open-First mortgage statement within 60 days of note date required. 1st mtg statement on this property (pg 90) is dated REDACTED, over 60 days from note date. - Due Diligence Vendor-REDACTED |  | Acknowledged-FIrst mortgage statement dated within 60 days received. Mortgage statement is dated after note and disbursement date. CLTV calculated on balance at time of closing, not balance post-close. - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | **835784** | Closed | FPRO1139 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material A B | Property | Appraisal | Secondary Valuation Date is after the Note Date | Acknowledged-Lender uploaded a doc for another condition to this condition. Updated. <br>THis condition - Desk review, required as secondary value per guidelines for investment property, completed and received after note date. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Acknowledged-Desk review, required as secondary value per guidelines for investment property, completed and received after note date. - Due Diligence Vendor-REDACTED<br> Rescinded-Secondary Valuation Date is after the Note Date of REDACTED - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-REDACTED | Acknowledged-Lender uploaded a doc for another condition to this condition. Updated. <br>THis condition - Desk review, required as secondary value per guidelines for investment property, completed and received after note date. - Due Diligence Vendor-REDACTED<br> Acknowledged-Desk review, required as secondary value per guidelines for investment property, completed and received after note date. - Due Diligence Vendor-REDACTED<br> Rescinded-Secondary Valuation Date is after the Note Date of REDACTED- Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | **835784** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final title policy matches recorded warranty deed vesting. Okay to proceed. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Property Title Issue 1. Vesting to be confirmed. Title (pg 166) - has a requirement for the deed to be recorded to take the property from the trust to the name of REDACTED. Final Title Policy needed.<br> 2. - Title Policy requirement section requests for original Trust certification/Disclosure executed within 30 days of closing and stated that 'thesame person cannot be the sole trustee and the sole beneficiary. Upon review of the Certificate of Trust, Audit observed that Beneficiary is thesame as Trustee being REDACTED . page 166,683-686 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Final title policy matches recorded warranty deed vesting. Okay to proceed. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **864016** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Hardship documentation for deferral modfication received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see attached hardship documentation we had in file but did not image. - Seller-REDACTED<br> Counter-Modification includes a deferred balance. Deferred balance was not paid through closing (guidelines section 2.3 ineligible senior liens). Documented hardship must be shown for deferred balance to remain open/not paid at closing. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see attached Credit report, showingREDACTED- high loan amount of REDACTED Mort Statement and Loan MOD. - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 1. There is no VOM on the file. Mortgage statement for subject property dated within 60 days of the note date is required.<br> 2. Verification/Documentation of principal deferment/modification to first mortgage. Original DOT amount is REDACTED. Current high loan amount is REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached hardship documentation we had in file but did not image. - Seller-REDACTED<br> Ready for Review-Document Uploaded. Please see attached Credit report, showing REDACTED - high loan amount of REDACTED. Mort Statement and Loan MOD. - Seller-REDACTED | Resolved-Hardship documentation for deferral modfication received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **864016** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Removed from FTP - Due Diligence Vendor-REDACTED<br> Ready for Review-Please see attached FTP - Seller-03/19/2025 <br> Open-Property Title Issue 1. Verification that property tax lien in the amount of REDACTEDrecorded REDACTED or tax year REDACTED has been paid in full and is clear from title is required. - Due Diligence Vendor-REDACTED | Ready for Review-Please see attached FTP - Seller-REDACTED | Resolved-Removed from FTP - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **864016** | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see attached FTP - Seller-REDACTED<br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) There is no Policy amount on the Title and there is no Title Supplement provided. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached FTP - Seller-REDACTED | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **864016** | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see attached. - Seller-REDACTED<br> Counter-No document upload came through. Will you please reupload? - Due Diligence Vendor-REDACTED<br> Ready for Review-Please see attached. - Seller-REDACTED <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached. - Seller-REDACTED<br> Ready for Review-Please see attached. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **889388** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **830562** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-First mtg stmt in file is older then 60 days from note date. First mortgage stmt within 60 days of note date required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **830562** | Closed | FCRE1167 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-RCE-coverage letter provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Required coverage is REDACTEDor need RCE - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-RCE-coverage letter provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **830562** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Verified there is no encumbrance on the property from REDACTED. Resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-REDACTED lien on title, #12 - pg 163 - must be paid off/removed. REDACTED is not in the list of payoffs on the Final CD. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Verified there is no encumbrance on the property from REDACTED. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **874829** | Closed | FCRE1964 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing income documentation | Acknowledged- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see updated P&L. Thank you! - Seller-REDACTED<br> Counter-Last date of income documented is REDACTED, which is more than 60 days from note date. Income is required to be within 60 days of note date. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. From our underwriter: I provided a P & L that was from REDACTED and the borrower signed it REDACTED. I did not see in our guidelines where it had to be within 60 days of the Note date and when I cleared the file on REDACTED I was within 60 days. This is our guideline and I felt I met it. Current YTD P&L, signed by the borrower, including business sales, expenses, and net income up to and including the most recent month preceding the loan application date is attached. - Seller-REDACTED<br> Open-1.REDACTED P&L income not within 60 days of note date<br> 2. REDACTED verification of business not located in file - Due Diligence Vendor-REDACTED | Borrower supporting P&L received. P&L is dated and signed by borrower after note & disbursment date. YTD P&L supports income calculation used for qualifying. - REDACTED<br>Ready for Review-Document Uploaded. Please see updated P&L. Thank you! - SellerREDACTED<br> Ready for Review-Document Uploaded. From our underwriter: I provided a P & L that was from REDACTED and the borrower signed it REDACTED. I did not see in our guidelines where it had to be within 60 days of the Note date and when I cleared the file on REDACTED I was within 60 days. This is our guideline and I felt I met it. Current YTD P&L, signed by the borrower, including business sales, expenses, and net income up to and including the most recent month preceding the loan application date is attached. - Seller-REDACTED |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | **874829** | Closed | FCRE1349 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 12 Months | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. From out underwriter: REDACTED was previously self employed and it is reflected on the tax returns prior to REDACTED when she started a w-2 wage earning job that was used to qualify and the tax returns are in the file to show prior employment history for her. I also uploaded a business license and printout for borrower and co borrower to show the SE business in employment section that should satisfy the VOE information needed. Let me know if anything else is needed . <br>- Seller-REDACTED<br> Open-Borrower 2 started their current position in REDACTED. There is no employment/income verification provided prior to that. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. From out underwriter: REDACTED was previously self employed and it is reflected on the tax returns prior to REDACTED when she started a w-2 wage earning job that was used to qualify and the tax returns are in the file to show prior employment history for her. I also uploaded a business license and printout for borrower and co borrower to show the SE business in employment section that should satisfy the VOE information needed. Let me know if anything else is needed . <br>- Seller-REDACTED |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **851378** C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Document Uploaded. 1st mortgage statement within 60 dates of note date received - Due Diligence Vendor-REDACTED<br> Ready for Review-the mrtg statement was created REDACTED and the note date is REDACTED... REDACTED days there is a credit supp in file that provides a rating through REDACTED5. will that suffice in clearing this condition?<br> - Seller-REDACTED<br> Counter-The mortgage statement creation date is REDACTED, which is more than REDACTED days from the note date of REDACTED - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. morning I am not sure if you didnt receive the mortgage statement but it seems to be within 60 days.. can you please review and let me know. - Seller-REDACTED<br> Counter-Guidelines dated REDACTED - Page 8 - Section 2.3 - A copy of the most current 1st mortgage statement is required to determine eligibility. Statement date to be within 60 days of Note date. Additional 1st mortgage documentation may be required to provide sufficient data for underwriting.<br>First mortgage statement within 60 days of note date is required. Stmt in file is over 60 days old. - Due Diligence Vendor-REDACTED<br> Ready for Review-the matrix shows Credit Review Documentation can be no more than REDACTEDdays old and we have a mortgage statement in the file as well as an REDACTED showing the mortgage is current. - Seller-REDACTED<br> Open-First mortgage statement within 60 days of note date is required. Stmt in file is over 60 days old. - Due Diligence Vendor-REDACTED | Ready for Review-the mrtg statement was created REDACTED and the note date is REDACTED... REDACTEDdays there is a credit supp in file that provides a rating through REDACTED. will that suffice in clearing this condition?<br> - Seller-REDACTED<br> Ready for Review-Document Uploaded. morning I am not sure if you didnt receive the mortgage statement but it seems to be within 60 days.. can you please review and let me know. - Seller-REDACTED<br> Ready for Review-the matrix shows Credit Review Documentation can be no more than REDACTED days old and we have a mortgage statement in the file as well as an REDACTED showing the mortgage is current. - Seller-REDACTED | Resolved-Document Uploaded. 1st mortgage statement within 60 dates of note date received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **851378** C | Closed | FCOM4438 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-PCCD received. Note Date and DOT date are REDACTED. PCCD and other closing docs signed REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. please see attached PCCD (not a wet state) - Seller-REDACTED <br> Open-All closing documents to be corrected other than Right to Cancel. Note date, deed of trust date, final 1003, and final CD closing date all show REDACTED. All closing documents are signed and dated REDACTED. (Right to Cancel was corrected to REDACTED.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. please see attached PCCD (not a wet state) - Seller-REDACTED |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **865350** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Resolved-Resolved via lender explanation and docs - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. radius financial group originated the current 1st lien mortgage on REDACTED, attached is the note and mortgage from that transaction. The borrower used to live at REDACTED so it appears that when the loan was sold to REDACTED they had a typographical error on statement. Please also review the original balance and interest rate on the REDACTED statement to further confirm it is truly the mortgage for REDACTED. - Seller-REDACTED<br> Open-REDACTED mortgage statement pg 364 reflects property address of REDACTED. Other mtg stmts in file match property addresses disclosed on 1003 & tax return. A VOM/first mortgage statement for this property, reflecting the correct property address of REDACTED is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. radius financial group originated the current 1st lien mortgage on REDACTED, attached is the note and mortgage from that transaction. The borrower used to live at REDACTED so it appears that when the loan was sold to REDACTED they had a typographical error on statement. Please also review the original balance and interest rate on the REDACTED statement to further confirm it is truly the mortgage for REDACTED. - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Resolved-Resolved via lender explanation and docs - Due Diligence VendorREDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **865350** | Closed | FCRE1180 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-REDACTED<br> Resolved-All-in coverage stated & defined on HOI - acceptable per FNMA guidelines - resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. master policy contains "walls-in with improvements and betterments" - Seller-REDACTED<br> Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. master policy contains "walls-in with improvements and betterments" - Seller-REDACTED | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-REDACTED<br> Resolved-All-in coverage stated & defined on HOI - acceptable per FNMA guidelines - resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **892475** | Closed | FCRE1158 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-RCE received, coverage acceptable. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-HOI coverage is not sufficient for total of all liens (REDACTED). here was no replacement cost estimator located in the file. Coverage A must cover the total amount of all liens without a replacement cost estimate from agent in file. - Due Diligence Vendor-REDACTED<br> Ready for Review-There are other structures REDACTED coverage so the total is REDACTED - Seller-REDACTED<br> Counter-HOI Premium received. HOI coverage is not sufficient for total of all liens (REDACTED). Coverage amount of REDACTED is less than total of all liens. There was no replacement cost estimator located in the file. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Hazard Insurance Policy Partially Provided Annual premium is missing from the hazard insurance declaration page (p. 276). Coverage amount of REDACTED is less than total of all liens. There was no replacement cost estimator located in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-There are other structures REDACTED coverage so the total is REDACTED - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-RCE received, coverage acceptable. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **892475** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Resolved-Statement received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see attached supplement and other docs - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOM for primary residence with REDACTED is missing from file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached supplement and other docs - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Resolved-Statement received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **892475** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see attached FTP - Seller-REDACTED<br> Open-The preliminary title commitment in file (pg 283) does not list the coverage amount. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached FTP - Seller-REDACTED | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **880086** C | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Jan stmt received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. mrtg statement - Seller-REDACTED<br> Counter-Exceptions require REDACTED documented approval & a completed exception waiver form. A first mortgage statement dated within 60 days of the note date is required per guidelines. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. The Mtg statement in file is dated REDACTED but the payment is current per the REDACTED dated REDACTED. Please waive. - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Mortgage statement dated REDACTED exceeds 60 days allowed by Guidelines from Note date REDACTED page 527,744<br>- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. mrtg statement - Seller-REDACTED<br> Ready for Review-Document Uploaded. The Mtg statement in file is dated REDACTED but the payment is current per the REDACTED dated REDACTED. Please waive. - Seller-REDACTED | Resolved-REDACTED stmt received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **814798** C | Closed | finding-3635 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<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% (REDACTED) exceed the comparable charges (REDACTED) 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 FOLLOWING FEES INCREASED FROM THE INITIAL LE TO THE FINAL CD IN THE AMOUNT OF REDACTED; LENDERS TITLE INSURANCE (REDACTED), PROPERTY CONDITION INSPECTION (REDACTED), RECORDING SERVICE FEE (REDACTED), TITLE COURIER FEE (REDACTED), AND TITLE ENDORSEMENT FEE (REDACTED). NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **814798** C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<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 REDACTED.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). there was no AVM fee disclosed on the initial le. an avm fee was disclosed in the amount of REDACTED on the final cd. no coc or reimbursement was located in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **814798** C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<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. There was no AVM fee disclosed on the initial le. An AVM fee was disclosed in the amount of REDACTED on the final cd. THE FOLLOWING FEES INCREASED FROM THE INITIAL LE TO THE FINAL CD IN THE AMOUNT OF REDACTED; LENDERS TITLE INSURANCE (REDACTED), PROPERTY CONDITION INSPECTION (REDACTED), RECORDING SERVICE FEE (REDACTED, TITLE COURIER FEE (REDACTED), AND TITLE ENDORSEMENT FEE (REDACTED). No coc or reimbursement was located in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **864388** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **815465** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **830186** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. updated title commitment uploaded - Seller-REDACTED<br> Open-Preliminary title commitment shows coverage less than loan amount. Updated title coverage needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. updated title commitment uploaded - Seller-REDACTED | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **830186** C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. COC uploaded - Buyer-REDACTED<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 REDACTED.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 LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE LOAN ORIGINATION FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **830186** C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. COC uploaded - Buyer-REDACTED<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 LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE LOAN ORIGINATION FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **830186** C | Closed | FCRE5790 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Buyer-REDACTED<br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). The most recent Credit Report in the file is dated REDACTED. The Note is dated REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **830186** C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-First mtg stmt within 60 days of note date required. Stmt in file (pg 362) is dated REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **875694** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached tax search reflecting no taxes due.<br> Thanks! - Buyer-REDACTED<br> Open-Verification that all unpaid taxes are paid in full (not on CD) Title #7 or verification this is removed from final title pg 401 - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **875694** | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED<br> Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached prior to close VVOE.<br> Thanks! - Buyer-REDACTED<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing There is no VOE in the file. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **890487** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **847146** | Closed | FVAL4521 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material B | Property | Appraisal | Appraisal dated after closing | Acknowledged-AVM is primary value. PCI required with AVM is not dated until after closing and disbursement. PCI dated REDACTED. - Due Diligence Vendor-REDACTED |  | Acknowledged-AVM is primary value. PCI required with AVM is not dated until after closing and disbursement. PCI dated REDACTED. - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | **847146** | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED<br> Resolved-UDN monitoring page 2 - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br> Resolved-UDN monitoring page 2 - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **894204** C | Closed | FCRE1326 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-TPR received P&L. Net profit REDACTED used for income vs. REDACTED from lender. No depreciation added back. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Income Calculation worksheets submitted. Please submit the actual P&L statements. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. income worksheet - Seller-REDACTED<br> Open-Borrower 1 YTD Profit & Loss Missing 12 MONTH P&L USED TO QUALIFY IS MISSING FROM LOAN FILE. INCOME CALCULATION SHEET IS ON PAGE 244. UNABLE TO VERIFY - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. income worksheet - Seller-REDACTED | Resolved-TPR received P&L. Net profit REDACTED used for income vs. REDACTED from lender. No depreciation added back. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **894204** C | Closed | FCOM2276 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. please see PCCD file didnt fund until REDACTED - Seller-REDACTED<br> Open-Final CD (pg 68) reflects disbursement date as REDACTEDwhich is the last date of the right to rescind. PCCD required reflecting correct/actual disbursement date. Loan cannot disburse prior to end of right to cancel period. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. please see PCCD file didnt fund until REDACTED- Seller-REDACTED | Resolved-PCCD received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **894204** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Delinquent Taxes removed from final title policy - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Property Title Issue PRELIMINARY TITLE REFLECTS PAST DUE TAXES. TWO LINE ITEMS WERE PAID AT CLOSING-SEE CD REDACTED SECTION REDACTED. There are two remaining open delinquent tax amounts on title for REDACTED - proof both were paid at or before closing is required. - Due Diligence VendorREDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Delinquent Taxes removed from final title policy - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **894204** C | Closed | FCRE7810 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title issue | Resolved-Title coverage received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. final title policy - Seller-REDACTED<br> Open-PRELIMINARY TITLE POLICY IS MISSING LOAN AMOUNT OF REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. final title policy - Seller-REDACTED | Resolved-Title coverage received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **894204** C | Closed | FCRE5770 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. credit report - Seller-REDACTED <br> Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. credit report - Seller-REDACTED | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **894204** C | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED<br> Ready for Review-Document Uploaded. credit refresh - Seller-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. credit refresh - Seller-REDACTED | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **850954** | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (REDACTED) - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **850954** | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **877572** C | Closed | finding-3652 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Sent in coc - Seller-REDACTED <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 (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). 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). A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE LENDER CREDIT DECREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Sent in coc - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **877572** C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<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 REDACTED.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 LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE LOAN ORIGINATION FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **877572** C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<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. A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE LENDER CREDIT DECREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. A LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE LOAN ORIGINATION FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **840466** | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received, full PITI counted in DTI calculations - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Verification of new PITI on new investment property which is what the use of the cash out is for. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received, full PITI counted in DTI calculations - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **840466** | Closed | FCRE4989 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Updated title policy received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Item #1 - title - verification delinquent taxes were paid prior to closing, not on CD as a payoff. Delinquent total REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Updated title policy received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **840466** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage statement within 60 days of note date is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **840466** | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **815591** | Closed | FCOM1227 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Signed PUD rider and letter received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Signed PUD rider attached Can this file be cleared for Funding with what you have? The letter of Intent and the signed PUD rider? - Seller-REDACTED<br> Counter-The PUD rider uploaded is not signed. Please provide a copy of the PUD rider that was submitted for recording to go in conjunction with the letter submitted. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Please provide a copy of the PUD rider that was submitted for recording to go in conjunction with the letter submitted. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi this is the email message and intent to re-record letter. \*\*\*\* Sorry for the late response! The county is still processing. Attached is a letter of intent to record. As soon as we have any update from the county I'll share it with you. (could we get this condition cleared to fund the file knowing this is in process Thanks so much <br>- Seller-REDACTED<br> Open-PUD Rider is Missing - Due Diligence Vendor-REDACTED<br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Signed PUD rider attached Can this file be cleared for Funding with what you have? The letter of Intent and the signed PUD rider? - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. Hi this is the email message and intent to re-record letter. \*\*\*\* Sorry for the late response! The county is still processing. Attached is a letter of intent to record. As soon as we have any update from the county I'll share it with you. (could we get this condition cleared to fund the file knowing this is in process Thanks so much <br>- Seller-REDACTED | Resolved-Signed PUD rider and letter received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **815591** | Closed | FCOM8804 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-UW approval received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Final 1008 is Attached - Seller-REDACTED<br> Open-Missing 1008/UW Approval document - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Final 1008 is Attached - Seller-REDACTED | Resolved-UW approval received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **815591** | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **815591** | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-The Final 1003 is Incomplete final 1003 for borrower 2 is missing retirement income in the amount of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **821745** | Closed | FCRE5790 | REDACTED | REDACTED | 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-REDACTED<br> Resolved-. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). GAP REPORT IS DATED REDACTED NOTE DATE IS REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED<br> Resolved-. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **821745** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hello, please see attached Mortgage Statement - Seller-REDACTED<br> Counter-First mtg stmt uploaded is not on this property. Stmt received is on REDACTED. First mtg stmt for REDACTED is needed. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mortgage statement within 60 days of note date is missing from the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hello, please see attached Mortgage Statement - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **821745** | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-DOCUMENTATION SHOWING RECEIPT OF COMMISSION INCOME IS MISSING. 1008 NOTE ON [PAGE 215 STATES INCOME WAS VALIDATED WITH REDACTED COMMISSION STATEMENT FROM EMPLOYER) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **821745** | Closed | FCRE8201 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Our borrower is a REDACTED for REDACTED. Attached is the documentation that shows our borrower has NO ownership. - Seller-REDACTED<br> Open-1099 income used to qualify: per guidelines. Borrower cannot have any ownership interest in the company(s) providing 1099 income. 1099 shows the REDACTED-see pg 281; CPA letter see pg 282 states borrower has been self employed since REDACTED. Business license matches name on 1099 REDACTED - page 285. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Our borrower is a REDACTED for REDACTED. Attached is the documentation that shows our borrower has NO ownership. - Seller-REDACTED | Resolved-Resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **818588** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **899466** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **892947** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Yes, no record of return is accepted for REDACTED at this time. Two years has to be shown. Thank you. - Due Diligence Vendor-REDACTED <br> Ready for Review-Please advise if you'd like to see no record of return for REDACTED? Underwriter closed with REDACTED. <br> But the REDACTED are not yet available. So, all we will get is no record. - Seller-REDACTED<br> Open-REDACTEDonly in file. 2 yrs W2 transcripts required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Please advise if you'd like to see no record of return for REDACTED? Underwriter closed with REDACTEDs. <br> But the REDACTED are not yet available. So, all we will get is no record. - Seller-REDACTED | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **892947** | Closed | FCRE1365 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Yes, no record of return is accepted for REDACTED at this time. Two years has to be shown. Thank you. - Due Diligence Vendor-REDACTED<br> Ready for Review-Please advise if you'd like to see no record of return for REDACTED? Underwriter closed with REDACTED. <br> But the REDACTED are not yet available. So, all we will get is no record. - Seller-REDACTED<br> Open-REDACTED only in file. 2 yrs W2 transcripts required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Please advise if you'd like to see no record of return for REDACTED? Underwriter closed with REDACTED. <br> But the REDACTED are not yet available. So, all we will get is no record. - Seller-REDACTED | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **892947** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Mtg stmt received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. There is no VOM in the file. First mortgage stmt within 60 days of note date required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Mtg stmt received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **892947** | Closed | finding-3635 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see attached Post CD, fees decreased. POST CD was included in closing package, please see pages 18 - 23 out of 386. No reimbursement needed. - Seller-REDACTED <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% ($501.00) exceed the comparable charges (REDACTED) 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 FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE RECORDING FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached Post CD, fees decreased. POST CD was included in closing package, please see pages 18 - 23 out of 386. No reimbursement needed. - Seller-REDACTED | Resolved-. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **892947** | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. The recording fee in the amount of REDACTED was on the Final CD, please see attached POST CD. It is reflecting REDACTED. Post CD was sent in closing package, see pages 18 - 23 out of 386. No reimbursement needed. <br> - Seller-REDACTED<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 RECORDING FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE RECORDING FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The recording fee in the amount of REDACTED was on the Final CD, please see attached POST CD. It is reflecting REDACTED. Post CD was sent in closing package, see pages 18 - 23 out of 386. No reimbursement needed. <br> - Seller-REDACTED | Resolved-. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **892947** | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **876546** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **872191** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **878314** C | Closed | FCRE1437 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Settlement statement received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Income and Employment Do Not Meet Guidelines 1008 comments indicate borrwer is refinancing property at REDACTED, but supporting documentation is needed. Lender excluded second mortgages with monthly payment of REDACTED and REDACTED on final 1003 for other REO at REDACTED from DTI with no supporting documentation. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Settlement statement received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **878314** C | Closed | FCRE8946 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation expiration dates | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-REDACTED guidelines dated REDACTED - page 9. Seasoning and Loan Doc requirements. Age of documents from note date: Income docs - 60 days. <br>\*\*Note date is REDACTED. Last date on P&L is REDACTED. This is more than 60 days. - Due Diligence Vendor-0REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Income documentation is required to be within 60 days of note date. Note date is REDACTED. Last date on P&L is REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **878314** C | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Same income worksheet as in file submitted. Lender worksheet on page 173 does not include a minimum REDACTED% expense factor. Lender will need an updated income worksheet to include expense factor with new, updated P&L income that is not expired. TPR comments: Lender income calculation is REDACTED. Lender income calculation did not include REDACTED expense factor. 24 month P&L - REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-0REDACTED<br> Open-Lender worksheet on page 173 does not include a minimum REDACTED% expense factor. Lender will need an updated income worksheet to include expense factor with new, updated P&L income that is not expired. TPR comments: Lender income calculation is REDACTED. Lender income calculation did not include REDACTED expense factor. 24 month P&L - REDACTED. - Due Diligence Vendor-REDACTED | . - REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **878314** C | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **878314** C | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD indicating disbursement date of REDACTED received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<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 date of disbursement from the final cd is REDACTED. the borrower signed and dated the notice of the right to cancel on REDACTED and the last date to cancel was changed and initialized to REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-PCCD indicating disbursement date of REDACTED received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **803356** | Closed | FCRE1326 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 YTD Profit & Loss Missing There are no income documents in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **803356** | Closed | FCRE1345 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-REDACTED<br> Resolved-. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 Lease Agreements Missing Supporting documentation for the Rental income from REDACTED has not been provided. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-REDACTED<br> Resolved-. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **803356** | Closed | FCRE1334 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **803356** | Closed | FCRE6763 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-CPA letter needed with P&L (already received) to verify CPA is who signed the P&L. <br> A signed letter from the CPA, CTEC (CA Tax Education Council) or EA (Enrolled Agent) on their business letterhead showing address, phone number, and license number is required with the following information:<br> o<br> CPA/CTEC/EA confirms they have prepared the most recent year's business tax return filing; and,<br> o<br> The business name, borrower's name, and percentage of business ownership by the borrower. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **803356** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-First mortgage statement within 60 days of note date required. Stmt in file is from REDACTED. <br> \*\*First lien is REDACTED. Max DTI is REDACTED%.\*\* - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **803356** | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **803356** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Coverage received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Title coverage amount is not stated on preliminary title report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Coverage received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **861148** | Closed | FCRE1254 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Title | Property Title Issue | Waived-Property Title Issue - Loan was originated on REDACTED, as a result, applicable guidelines is dated REDACTED, however, lender approved guidelines exception to use guidelines dated REDACTED to allow UCC filing and subordination for Solar lien to remain on the Title policy based on the compensating factors listed below. Balance of solar lien is REDACTED on coborrower's liabilities. page 1,705,740<br> - Due Diligence Vendor-REDACTED |  | Waived-Property Title Issue - Loan was originated on REDACTED, as a result, applicable guidelines is dated REDACTED, however, lender approved guidelines exception to use guidelines dated REDACTED to allow UCC filing and subordination for Solar lien to remain on the Title policy based on the compensating factors listed below. Balance of solar lien is REDACTED on coborrower's liabilities. page 1,705,740<br> - Due Diligence Vendor-REDACTED |  | REDACTED |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | **861148** | Closed | FCOM8804 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-Updated form, received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see revised exception description #1.<br> Thanks! - Buyer-REDACTED<br> Open-Updated exception form needed. CLTV with first, solar balance, and second is REDACTED%, still within max REDACTED% per matrix. - Due Diligence Vendor-REDACTED |  | Resolved-Updated form, received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **823509** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **817612** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Buyer-REDACTED<br> Open-Vesting shown on the Deed of Trust (pg 581), Title Commitment (pg 568) and URLA/Lender Loan Information (pg 928). Need a copy of the Trust Certificate listed on title commitment. - Due Diligence Vendor-REDACTED |  | Resolved-Resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **838021** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-UCC removed from final title - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. final title policy attached. UCC was paid through closing and removed. - SellerREDACTED<br> Open-Property Title Issue - Missing evidence of Release of or Termination of UCC-1 Financing Statement recorded REDACTED. (TPR noted email in file and UW comments on 1008, however there is no documentation in the file to tie the payoffs on the CD to the UCC filing.) Verification the UCC is removed from title is required.<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. final title policy attached. UCC was paid through closing and removed. - Seller-REDACTED | Resolved-UCC removed from final title - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **806159** | Closed | FCRE1167 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Sufficent Hazard Insurance Coverage is provided. Updated RCE received. Coverage A is sufficient. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided The RCE in file is from REDACTED. An updated/current RCE is required or additional Coverage A to cover all liens is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Sufficent Hazard Insurance Coverage is provided. Updated RCE received. Coverage A is sufficient. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **806159** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Resolved-Borrower in current primary REDACTED months. Mtg pymt history on that property verified with credit report. Borrower previous primary is this property per 1003. Mortgage payment history on this property verified REDACTED months with credit report & statement in file. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Primary residence mortgage verification only shows REDACTED months. Need REDACTED months of primary residence payment history verification. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Resolved-Borrower in current primary REDACTED months. Mtg pymt history on that property verified with credit report. Borrower previous primary is this property per 1003. Mortgage payment history on this property verified REDACTED months with credit report & statement in file. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **832512** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **832627** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Updated title received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Attached is the revised commitment not showing a requirement to pay the 1st THanks! - Seller-REDACTED<br> Open-PTC (pg 615) Schedule B, Part I exception #7 indicates payment and release of 1st mtg is required. This is a 2nd lien and 1st lien is not being paid off/released. Updated title doc needed removing this requirement. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Attached is the revised commitment not showing a requirement to pay the 1st THanks! - Seller-REDACTED | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Updated title received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **832627** | Closed | FCRE9000 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Mortgage Statement | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please find REDACTED Up to date mortgage Stmt for loan clearance for funding !! Thank you - Seller-REDACTED <br> Open-Missing first mortgage statement dated within 60 days of note date. The mortgage statement (pg 284) in file is greater than 60 days prior to note date. Mortgage statement date is REDACTED and note date is REDACTED. Updated first mortgage statement is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please find Penny mac Up to date mortgage Stmt for loan clearance for funding !! Thank you - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **832627** | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. REDACTED attached - Seller-REDACTED<br> Open-Missing Third Party Fraud Report Guidelines page 18 require that all loans must be submitted to an automated fraud and data check tool (i.e. REDACTED, etc.). A copy of the findings report must be provided in the loan file along with any documentation resolving any deficiencies or red flags noted. However, no automated fraud and data check tool was located in the file during review. The automated fraud and data check tool is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Fraud Guard attached - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **832627** | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing 1008/UW Approval Document A 1008 or Approval is required. However, no 1008 or Approval was located in the file during review. The 1008 or Approval is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **818408** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Preliminary Title does not list coverage amount - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **818408** | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **848217** | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Supporting P&Ls including YTD received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. YTD and REDACTED P&Ls attached - Buyer-0REDACTED<br> Open-REDACTED P&L referenced on UW income worksheet but not able to locate in file. Current YTD P&L income within 60 days of note date or REDACTED months bank statements within 60 days of note date required to support tax return income. - Due Diligence Vendor-REDACTED |  | Resolved-Supporting P&Ls including YTD received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **848217** | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Fraud report attached - Buyer-REDACTED<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **875831** C | Closed | FCRE4963 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Confirmed unpaid secondary first mortgage balance of REDACTED was paid with disbursement statement/final HUD & PCCD. Resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see attached correct Post CD that is in file but was not imaged with closing package. The balance was paid at closing. See attached final settlement statement for proof. - Seller-REDACTED<br> Open-Verification of unpaid secondary first mortgage balance of REDACTED (pg 162). Per guidelines, deferred amounts on first lien are required to be paid off prior to or at closing. No payoff is listed on CD. Amount is not currently included in TPR CLTV calculation. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached correct Post CD that is in file but was not imaged with closing package. The balance was paid at closing. See attached final settlement statement for proof. - Seller-REDACTED | Resolved-Confirmed unpaid secondary first mortgage balance of REDACTED was paid with disbursement statement/final HUD & PCCD. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **875831** C | Closed | FCRE8201 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Guideline requirements met of housing history/senior lien. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Ineligible senior lien - first mortgage is not reported on credit report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Guideline requirements met of housing history/senior lien. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **875831** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Updated title received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Title pg 200 - proof of delinquent supplemental tax payment is required - item C - REDACTED penalty - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Updated title received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **875831** C | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **865617** | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Final 1003 submitted is not signed by the borrower(s) Will you please upload the signed final 1003? - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. 1003 Attached thanks!! - Seller-REDACTED<br> Open-The Final 1003 is Incomplete - Fnal 1003 Section 1c does not reflect information on borrower's other employment at REDACTED, used by lender to qualify the borrower. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. 1003 Attached thanks!! - Seller-REDACTED | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **865617** | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **865617** | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841296** | Closed | FCRE0360 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Acknowledged-First mortgage statement dated REDACTED received, which is after note date and disbursement date. First mortgage statement dated within 60 days of note date was not in file at closing. Acknowledged. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. REDACTED stmt as requested is attached Thank you! - Seller-REDACTED<br> Counter-REDACTED statement on page 138 - Statement date in top left corner is REDACTED. Payment next due date is REDACTED. Please provide a mortgage statement within 60 days of the note date. - Due Diligence Vendor-REDACTED<br> Counter-Lender comments copied from other finding - \*\*\*(The statement in the file with REDACTED for the subject is dated REDACTED the note date is REDACTED = REDACTED days)- REDACTED. thanks - Due Diligence Vendor-REDACTED<br> Open-First mortgage statement on subject property is required to be within 60 days of note date. Stmt on page 138 is dated REDACTED, note date REDACTED <br> . - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED stmt as requested is attached Thank you! - Seller-REDACTED | Acknowledged-First mortgage statement dated REDACTED received, which is after note date and disbursement date. First mortgage statement dated within 60 days of note date was not in file at closing. Acknowledged. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | **841296** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Resolved - documentation received for primary rental history payments. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. HI Good day\*\*\*REDACTED See attached REDACTED & REDACTED REDACTED month pay history for rent paid to REDACTED as the Recipient (Note REDACTED is who is on the Lease to receive the funds borrower REDACTED in installments for each month to total REDACTED) (REDACTED) thank you - Seller-REDACTED<br> Counter-Lender comments below on incorrect finding. The finding is requesting a VOR for the rental history for borrower's primary residence. - Due Diligence Vendor-REDACTED<br> Ready for Review-\*\*\*(The statement in the file with REDACTED for the subject is dated REDACTED the note date is REDACTED = REDACTEDdays)- REDACTED. thanks - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrowers are renting their current primary residence. PRIMARY RESIDENCE IS RENTED AT REDACTED/MONTH. LEASE IS PROVIDED SEE PAGE 266 WITH START DATE OFREDACTED. NO PAYMENT HISTORY WAS PROVIDED. 12 months payment history is required/VOR. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. HI Good day\*\*\*REDACTEDSee attached REDACTED & REDACTED REDACTED month pay history for rent paid to REDACTED as the Recipient (Note REDACTED is who is on the Lease to receive the funds borrower REDACTED in installments for each month to total REDACTED) (REDACTED) thank you - Seller-REDACTED<br> Ready for Review-\*\*\*(The statement in the file with REDACTED for the subject is dated REDACTED the note date is REDACTED = REDACTED days)- REDACTED. thanks - Seller-REDACTED | Resolved-Resolved - documentation received for primary rental history payments. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841296** | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Bank statements - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. \*\*\*REDACTED See attached 3 months Business bank stmts evidencing the deposits for support of tax return income. (REDACTED) Thank you - Seller-REDACTED<br> Counter-Guidelines require current YTD P&L or 3 months bank statements required to support tax return income. If there is a formal exception approved from REDACTED, please provide the REDACTED email chain approving the exception and a signed exception form with compensating factors. - Due Diligence Vendor-REDACTED<br> Ready for Review-\*\*\*(I had this as a condition and the REDACTEDspoke with a representative at REDACTED) Being that I have REDACTED tax returns supporting the prior year income the P&L should Not be required. (Please escalate) - REDACTED Thanks - Seller-REDACTED<br> Open-Current YTD P&L or 3 months bank statements required to support tax return income - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. \*\*\*REDACTED See attached 3 months Business bank stmts evidencing the deposits for support of tax return income. (REDACTED) Thank you - Seller-REDACTED<br> Ready for Review-\*\*\*(I had this as a condition and the REDACTED spoke with a representative at REDACTED) Being that I have REDACTED tax returns supporting the prior year income the P&L should Not be required. (Please escalate) - REDACTED. Thanks - Seller-REDACTED | Resolved-Bank statements - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841296** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. IRS Transcript attached - Seller-REDACTED <br> Counter-TPR cannot locate the transcripts for B1 in the file. Will you please re-send? (Finding for B2 removed) - Due Diligence Vendor-REDACTED<br> Ready for Review-\*\*\*(B2 will not have any transcripts as there is no W2 wage earner income for him, the loss is for the self-employed business that he owns REDACTED% of REDACTED REDACTED business income of REDACTED, with a loss ofREDACTED = a total loss for borrower REDACTED (Note the REDACTED transcripts are in the file, and there is a REDACTED pulled showing no record found. Loan was approved and closed prior to REDACTED) - REDACTED. - Seller-REDACTED<br> Open-Borrower 1 IRS Transcripts Missing TAX TRANSCRIPTS ARE REQUIRED FOR B 1 AND B2 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. IRS Transcript attached - Seller-REDACTED<br> Ready for Review-\*\*\*(B2 will not have any transcripts as there is no W2 wage earner income for him, the loss is for the self-employed business that he owns REDACTED% of REDACTED REDACTED business income of REDACTED, with a loss ofREDACTED = a total loss for borrower REDACTED (Note the REDACTED transcripts are in the file, and there is a REDACTED pulled showing no record found. Loan was approved and closed prior to REDACTED) - REDACTED. - Seller-REDACTED | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841296** | Closed | FCRE7009 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Updated RCE received, coverage sufficient - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. RCE ...Attached is the RCE with the effective date corrected thank you - Seller-REDACTED<br> Open-HOI is not sufficient to cover all liens (coverage is REDACTED5, liens total REDACTED). RCE provided, but it is REDACTED years old and cannot be used. RCE within dated within REDACTED required or increased coverage A to cover all liens. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. RCE ...Attached is the RCE with the effective date corrected thank you - Seller-REDACTED | Resolved-Updated RCE received, coverage sufficient - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841296** | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **836240** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **801548** C | Closed | FCOM6329 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Calculating Cash to Close Adj. and Other Credits discrepancy | Resolved-FNMA says the amount of the lender contribution should not exceed the amount of borrower-paid closing costs and prepaid fees, and in this case it doesn't. Total borrower paid closing costs were:<br> At closing: REDACTED<br> + before closing REDACTED<br> Total Closing Costs: REDACTED<br>So, the REDACTED credit covers all costs paid at closing and part of the closing costs paid prior to closing. The borrower isn't actually getting excess funds.<br>REDACTED<br>Lender Contributions<br> The lender may provide the borrower with a contribution to fund borrower-paid closing costs and prepaid fees in the following cases:<br> • The lender credit is derived from premium pricing, as described in Premium Pricing in B2-1.5-02, Loan Eligibility.<br> • The lender credit is sourced directly from lender funds with no expectation for repayment or financial obligation apart from the subject mortgage. Funds passed to the lender from a third party, for the purpose of providing a lender credit, are not eligible as a lender contribution.<br> The amount of the lender contribution should not exceed the amount of borrower-paid closing costs and prepaid fees and may not be used to fund any portion of the down payment or financial reserve requirements. Lender contributions are not considered grants.<br>Any excess lender credit required to be returned to the borrower in accordance with applicable regulatory requirements is considered an overpayment of fees and charges and may be applied as a principal curtailment or returned in cash to the borrower. See B2-1.3-01, Purchase Transactions and B2-1.3-02, Limited Cash-Out Refinance Transactions for treatment of the overpayment of fees and charges.<br>- Due Diligence Vendor-REDACTED<br> Open-1. PCCD pg 253. Borrower received cash out over loan amount due to lender credit. <br> 2. PCCD page 5 - escrow account marked incorrectly. An escrow account is not offered with the second mtg product. Lender marked that the escrow account is declined. - Due Diligence Vendor-REDACTED |  | Resolved-FNMA says the amount of the lender contribution should not exceed the amount of borrower-paid closing costs and prepaid fees, and in this case it doesn't. Total borrower paid closing costs were:<br> At closing: REDACTED<br> + before closing REDACTED<br> Total Closing Costs: REDACTED<br>So, the REDACTED credit covers all costs paid at closing and part of the closing costs paid prior to closing. The borrower isn't actually getting excess funds.<br>REDACTED<br>Lender Contributions<br> The lender may provide the borrower with a contribution to fund borrower-paid closing costs and prepaid fees in the following cases:<br> • The lender credit is derived from premium pricing, as described in Premium Pricing in B2-1.5-02, Loan Eligibility.<br> • The lender credit is sourced directly from lender funds with no expectation for repayment or financial obligation apart from the subject mortgage. Funds passed to the lender from a third party, for the purpose of providing a lender credit, are not eligible as a lender contribution.<br> The amount of the lender contribution should not exceed the amount of borrower-paid closing costs and prepaid fees and may not be used to fund any portion of the down payment or financial reserve requirements. Lender contributions are not considered grants.<br>Any excess lender credit required to be returned to the borrower in accordance with applicable regulatory requirements is considered an overpayment of fees and charges and may be applied as a principal curtailment or returned in cash to the borrower. See B2-1.3-01, Purchase Transactions and B2-1.3-02, Limited Cash-Out Refinance Transactions for treatment of the overpayment of fees and charges.<br>- Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **801548** C | Closed | FCRE1159 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Proof of current coverage received - Due Diligence Vendor-REDACTED<br> Resolved-Hazard Insurance Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED The current Policy is not in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Proof of current coverage received - Due Diligence Vendor-REDACTED<br> Resolved-Hazard Insurance Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812254** | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Separation agreement in file and cancelled checks/proof of payment to Carrington Mortgage by prior spouse received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Buyer-REDACTED<br> Counter-The REDACTED reports on borrower's credit. If the borrower is not making the payment, 12 months of cancelled checks must be obtained. If not available, the payment must be counted in DTI and verification of taxes & insurance on the property must be included in DTI also. <br>FNMA guidelines: When a borrower is obligated on a mortgage debt - but is not the party who is actually repaying the debt - the lender may exclude the full monthly housing expense (PITIA) from the borrower's recurring monthly obligations if the party making the payments is obligated on the mortgage debt, there are no delinquencies in the most recent 12 months, and the borrower is not using rental income from the applicable property to qualify.<br>In order to exclude non-mortgage or mortgage debts from the borrower's DTI ratio, the lender must obtain the most recent 12 months' canceled checks (or bank statements) from the other party making the payments that document a 12-month payment history with no delinquent payments. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. please see prop profile, property not owned by bwr - Buyer-REDACTED<br> Open-REDACTED added to debts. Verification of taxes & insurance needed. Property information needed. - Due Diligence Vendor-REDACTED |  | Resolved-Separation agreement in file and cancelled checks/proof of payment to REDACTED by prior spouse received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812254** | Closed | FCRE1336 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Using lower amount than originally submitted and than is the net deposit to account. Account shows a higher direct deposit amount. Using the grossed up REDACTED REDACTED income evidenced on REDACTED letter and bank statement. REDACTED letter shows lower amount, so that is being utilized. Income worksheet and letter received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. See attached income calc. UW grossed up REDACTED income by REDACTED% (REDACTED- amount of deposited REDACTED is lower (un-taxed), ok to utilize higher amount than amount deposited on bank statement in file per UW - Seller-REDACTED<br> Counter-REDACTED included is REDACTED/month. Statement received does not match this amount. Lender to advise. - Due Diligence VendorREDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 Award Letter Missing There is a deposit on the borrowers Checking account in the amount of REDACTED. There is no Award letter or any income documents provided for this source of income. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See attached income calc. UW grossed up REDACTED income by REDACTED% (REDACTED- amount of deposited REDACTED is lower (un-taxed), ok to utilize higher amount than amount deposited on bank statement in file per UW - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Using lower amount than originally submitted and than is the net deposit to account. Account shows a higher direct deposit amount. Using the grossed up REDACTED REDACTED income evidenced on REDACTED letter and bank statement. REDACTED letter shows lower amount, so that is being utilized. Income worksheet and letter received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812254** | Closed | FCRE1161 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. flood cert uploaded - Seller-REDACTED <br> Open-Missing Flood Certificate - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. flood cert uploaded - Seller-REDACTED | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812254** | Closed | FCRE1168 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. RCE uploaded - Seller-REDACTED<br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. RCE uploaded - Seller-REDACTED | Resolved-Hazard Insurance Coverage Amount ofREDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value ofREDACTED - Due Diligence VendorREDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812254** | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. updated prelim uploaded reflectingREDACTED insurance - Buyer-REDACTED<br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) The loan amount is REDACTED. Title coverage indicates coverage in the amount of REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812254** | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. taxes/insurance are impounded on REDACTED and will be paid by lender - Seller-REDACTED<br> Open-Missing evidence of property taxes that were due on REDACTED, prior to closing were paid. Title, page 419, shows taxes due of REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. taxes/insurance are impounded on 1st TD and will be paid by lender - Seller-REDACTED | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812254** | Closed | FCRE4805 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Trust Certificate is needed - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812254** | Closed | FCOM1221 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Buyer-REDACTED<br> Open-The Deed of Trust is Incomplete Missing pages 2-13. Only page 1 of 13 was located in the file. - Due Diligence Vendor-REDACTED |  | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812254** | Closed | FCOM1227 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-DOT & riders received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Buyer-REDACTED<br> Open-PUD Rider is Missing - Due Diligence Vendor-REDACTED |  | Resolved-DOT & riders received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812254** | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. LE, COC uploaded reflecting redisclosure of REDACTED PCI fee - Buyer-REDACTED<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. THERE WAS NO PROPERTY CONDITION INSPECTION FEE DISCLOSED ON THE INITIAL LE. A PROPERTY CONDITION INSPECTION FEE WAS DISCLOSED IN THE AMOUNT OF $55 ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812254** | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<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 REDACTED.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). THERE WAS NO PROPERTY CONDITION INSPECTION FEE DISCLOSED ON THE INITIAL LE. A PROPERTY CONDITION INSPECTION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812254** | Closed | FCOM1232 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Buyer-REDACTED <br> Open-The Final 1003 is Missing - Due Diligence Vendor-REDACTED |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812254** | Closed | FCOM1231 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Buyer-REDACTED<br> Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-04/29/2025 |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **859075** C | Closed | FCRE1441 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Updated credit supplement received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached updated credit supplement reflecting payments made in REDACTED.<br> Thanks! - Buyer-REDACTED<br> Counter-Credit supplement is from REDACTEDand shows next payment due of REDACTED. Statement in file shows next payment due REDACTED with a late payment (REDACTED). Credit supplement is not indicative that the REDACTED payment which shows past due on the statement was made and that REDACTED will not be reporting 1x30. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached credit supplement.<br> Thanks! - Buyer-REDACTED<br> Open-Proof first mortgage payment with REDACTED is paid current & verification REDACTED will not be reported as 30 days late. First mortgage statement on page 128 shows payment is past due. - Due Diligence Vendor-REDACTED |  | Resolved-Updated credit supplement received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **829784** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-REDACTED clearly states no encumbrance on the property. Resolved. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-REDACTED removed from title policy. Still needed: Contract with REDACTED to be submitted for review to ensure there is no encumbrance on the property - item #8 - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-1. Verification REDACTED (paid at closing) is the same as REDACTED on title or that REDACTED on title #10 - pg 402 is removed from final title policy. (UW comments on 1008 indicate this is the same, however names do not match.)<br> 2. Contract with REDACTED to be submitted for review to ensure there is no encumbrance on the property - item #8 - pg 401<br>Item #11 deleted by title company - pg 395 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-REDACTED clearly states no encumbrance on the property. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **829784** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Stmt received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. First mtg statement within 60 days of note date not located in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Stmt received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **819318** C | Closed | FCRE6763 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Exp date of REDACTED accepted - Due Diligence Vendor-REDACTED<br> Ready for Review-although the CPA is Dated REDACTED, the expiration date is REDACTED. Why do we need an updated license? - Seller-REDACTED<br> Counter-CPA license search results are dated REDACTED. Please provide an updated verification. - Due Diligence Vendor-REDACTED<br> Ready for Review-The PDF labeled CPA LETTER is the license information from the REDACTED, the preparer of the P&L, and the Attestation. Please advise if additional information is needed. - Seller-REDACTED<br> Counter-Received P&L signed by preparer & attestation. Items remaining open - Attestation received from preparer & original on page 523 does not include verification preparer is CPA, CTEC, or EA certified. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-CPA letter received on other finding. These items remain open:<br> P&L pg 524/624 is not signed by preparer. 2. Attestation from preparer on page 523 does not include verification preparer is CPA, CTEC, or EA certified. 3. No business license in file for previous 2 years. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-1. P&L pg 524/624 is not signed by preparer. <br> 2. Attestation from preparer on page 523 does not include verification preparer is CPA, CTEC, or EA certified.<br> 3. No business license in file for previous 2 years. - Due Diligence Vendor-REDACTED | Ready for Review-although the CPA is Dated REDACTED, the expiration date is REDACTED. Why do we need an updated license? - Seller-REDACTED<br> Ready for Review-The PDF labeled CPA LETTER is the license information from the REDACTED for REDACTED, the preparer of the P&L, and the Attestation. Please advise if additional information is needed. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Exp date REDACTED accepted - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **819318** C | Closed | FCRE1325 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Acknowledged-CPA letter received - dated after note/disbursement date - Acknowledged - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 CPA Letter Missing - CPA letter is required for Alt Doc : P&L only loans. Per guidelines dated REDACTED<br>8.8.3 Alt-Doc: P&L Only Requirements and Documentation<br> All of the following is required:<br> • Business license for the past 2 years.<br> • A signed letter from the CPA, CTEC (CA Tax Education Council) or EA (Enrolled Agent) on their business letterhead showing address, phone number, and license number is required with the following information:<br> o CPA/CTEC/EA confirms they have prepared the most recent year's business tax return filing; and,<br> o The business name, borrower's name, and percentage of business ownership by the borrower - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Acknowledged-CPA letter received - dated after note/disbursement date - Acknowledged - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | **819318** C | Closed | FCOM9028 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Cash to Close (page 1) is incomplete or inaccurate | Resolved-PCCD received, delinquent taxes shown as paid - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Verification of PCCD sent to client needed. Unable to determine final signed CD vs. settlement statement discrepancies. Verification delinqunet taxes paid needed. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-1. Cash to close on Final CD reflects REDACTED vs Settlement statement's REDACTED - page 344,37/624<br> 2. Title policy requires delinquent tax to be paid which is shown on settlement statement but not on Final CD - page 568,344,37/624 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-PCCD received, delinquent taxes shown as paid - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **840352** | Closed | FCRE5790 | REDACTED | REDACTED | 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-REDACTED<br> Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached soft pull.<br> Thanks! - Buyer-REDACTED<br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). The most recent gap credit report in the file is over 15 days from note date. Supplement for first mtg is dated REDACTED. No gap credit in file. The Note date is REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **840352** | Closed | FCRE5791 | REDACTED | REDACTED | 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-REDACTED<br> Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached soft pull.<br> Thanks! - Buyer-REDACTED<br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). The most recent gap credit report in the file is over 15 days from note date. Supplement for first mtg is dated REDACTED. No gap credit in file. The Note date is REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **840352** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached updated mortgage statement.<br> Thanks! - Buyer-REDACTED<br> Open-First mtg statement within 60 days of note date required. Stmt in file (pg 129) is dated REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **851074** C | Closed | FCRE1764 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Okay to proceed with 3/11 modification guideline revision for investor. Modification was done in REDACTED, no balloon feature, and has been paid since the modification. - Due Diligence Vendor-REDACTED<br> Ready for Review-TPR email to investor - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Verification of mortgage balance over original limit needed. Credit report indicates original balance was REDACTED Title indicates loan was modified. Balance showing on credit report is REDACTED. Modification/deferrment documents needed and/or first lien note to verify terms. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Okay to proceed with REDACTED modification guideline revision for investor. Modification was done in REDACTED, no balloon feature, and has been paid since the modification. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **851074** C | Closed | FCOM2950 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Ack of non-rescission prior to rescission expiration date | Resolved-Corrected RTC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hello, please see attached Notice of Right to Cancel with the date as REDACTED - Seller-REDACTED<br> Open-Corrected RTC signed by borrower required. - Note date is REDACTED, RTC dated REDACTED & signed REDACTED, Final CD shows issued and closing date as REDACTED. - Right to Cancel date is not correct. The RTC date should have been updated to REDACTED and not expired until midnight REDACTED. Final CD shows disbursement date of REDACTED which meets RTC date requirements. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hello, please see attached Notice of Right to Cancel with the date as REDACTED - Seller-REDACTED | Resolved-Corrected RTC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **887679** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Doc received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Attached is what I was able to retrieve from the actual county tax site..... as you can see taxes due REDACTED so not only does the lender Escrow, they paid REDACTED and it not sue Until REDACTED again...I hope this will clear this conditions Thanks :) - Seller-REDACTED<br> Counter-Tax Cert is the same as prior that shows taxes due as of REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Document Uploaded. Please provide final title showing taxes are not delinquent. - Due Diligence Vendor-REDACTED<br> Ready for Review-Taxes are escrowed with PITI - Seller-REDACTED<br> Counter-Agree that the taxes are escrowed. Verification that the taxes showing past due on the title report have been paid is needed. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi Full piti is included in the payment already Thank you - Seller-REDACTED<br> Open-Property Title Issue PER TAX CERT ON PAGE 483 & TITLE PAGE 497, TAXES WERE DUE IN THE AMOUNT OF REDACTED AND WERE NOT PAID ON CD AT CLOSING. Proof taxes were paid current prior to or at closing is required.<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Attached is what I was able to retrieve from the actual county tax site..... as you can see taxes due REDACTED so not only does the lender Escrow, they paid REDACTED and it not sue Until REDACTED again...I hope this will clear this conditions Thanks :) - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Taxes are escrowed with PITI - Seller-REDACTED<br> Ready for Review-Document Uploaded. Hi Full piti is included in the payment already Thank you - Seller-REDACTED | Resolved-Doc received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **887679** C | Closed | FCRE6911 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | DTI exceeds program maximum | Resolved-Docs received. Asset Depletion income added. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. other income : is asset depletion REDACTED see 1008 attached comments TY - Seller-0REDACTED<br> Counter-DTI issue is income discrepancy between income verified and lender 1008. Emailed details to lender to advise. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see my email for additional info on the student loans - Seller-REDACTED <br> Counter-Student loan payments updated, however DTI is still above REDACTED at REDACTED% - Due Diligence Vendor-REDACTED<br> Resolved-Document Uploaded. TPR information on student loan uploaded. Payments updated, income driven program, statement in file. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi Good day! See attached borrower is in an income base driven program, please review I spoke with LO and she said this was the same thing that happened to the borrower on his primary loan, and he provided the documents to support. thanks! - Seller-REDACTED <br> Counter-Payment included is per FNMA guidelines for qualifying - "For deferred loans or loans in forbearance, the lender may calculate a payment equal to 1% of the outstanding student loan balance (even if this amount is lower than the actual fully amortizing payment), or a fully amortizing payment using the documented loan repayment terms." <br> - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see attached info for correct student Loan Pmts thank you - Seller-REDACTED<br> Open-DTI max is REDACTED. REDACTED deferred student loans on credit report. Loans deferred til REDACTED, used REDACTED of outstanding balance for each student loan - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. other income : is asset depletion REDACTED see 1008 attached comments TY - Seller-REDACTED <br> Ready for Review-Document Uploaded. Please see my email for additional info on the student loans - Seller-REDACTED<br> Ready for Review-Document Uploaded. Hi Good day! See attached borrower is in an income base driven program, please review I spoke with LO and she said this was the same thing that happened to the borrower on his primary loan, and he provided the documents to support. thanks! - Seller-REDACTED <br> Ready for Review-Document Uploaded. Please see attached info for correct student Loan Pmts thank you - Seller-REDACTED | Resolved-Docs received. Asset Depletion income added. - Due Diligence Vendor-REDACTED<br> Resolved-Document Uploaded. TPR information on student loan uploaded. Payments updated, income driven program, statement in file. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **887679** C | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED<br> Ready for Review-REDACTED Tax returns are self-prepared No CPA letter to be given & provided REDACTED which is stamped by IRS 1REDACTED provided for the schedule C business. \*\*Note at the time of closing REDACTED the REDACTED4 1040 not required, the borrower signed the P&L for the schedule C Business, also the licensing verification for the business is with the funding VOE. (See screen shot below) Please speak with secondary on how loan was locked, I approved it with 2 yrs tax returns\*\*\*(REDACTED) - Seller-REDACTED<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing B1 wage income - missing VVOE within 10 days of note date<br> B1 self-emp income - missing verification of business within 30 days of note date - Due Diligence Vendor-REDACTED | Ready for Review-REDACTED Tax returns are self-prepared No CPA letter to be given & provided REDACTED which is stamped by IRS 1REDACTED provided for the schedule C business. \*\*Note at the time of closing REDACTED the REDACTED4 1040 not required, the borrower signed the P&L for the schedule C Business, also the licensing verification for the business is with the funding VOE. (See screen shot below) Please speak with secondary on how loan was locked, I approved it with 2 yrs tax returns\*\*\*(REDACTED) - Seller-REDACTED | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **887679** C | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. REDACTED attached Thank you - Seller-REDACTED<br> Open-REDACTED transcripts required - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED attached Thank you - Seller-REDACTED | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **887679** C | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Document Received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Forbearance Agreement attached for REDACTED - Seller-REDACTED<br> Counter-The terms of the deferred balance from the first mortgage lender, the modified agreement/updated terms from the first mortgage lender are required for review. - Due Diligence Vendor-REDACTED<br> Counter-The terms of the deferred balance from the first mortgage lender, the modified agreement/updated terms from the first mortgage lender are required for review. - Due Diligence Vendor-REDACTED<br> Ready for Review-Please advise what is now needed on this one in detail I don't see why this was'nt cleared??? Thank you - Seller-REDACTED <br> Counter-Borrower LOE received. The modified agreement/updated terms from the first mortgage lender are required for review. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. LOE from Borrower to Explain NON interest bearing REDACTED - Seller-REDACTED<br> Counter-TPR first mtg balance matches statement from first mtg lender for CLTV purposes. Hardship documentation and the modified agreement/updated terms are required for review. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. \*\*\*REDACTED see attached payoff from REDACTED to reflect the non interest bearing balance is included in the actual loan balance and is supported with the credit report. \*\*(REDACTED) \*\*\*REDACTED I spoke to LO and requesting the signed LOE with the explanation for the deferment non interest bearing balance, and also for the Modification, LO to obtain from borrower. When in I will provide (REDACTED) - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. MORTGAGE STATEMENT ON PAGE 176 FOR FIRST MORTGAGE REFLECTS DEFERRED NON INTEREST BEARING BALANCE OF REDACTED. HARDSHIP DOCUMENTATION IS NOT IN FILE. HARDSHIP DOCUMENTATION MUST BE SUBMITTED FOR REVIEW AS WELL AS APPLICABLE MODIFICATION AGREEMENT/UPDATED TERMS OR THE DEFERRED BALANCE MUST BE PAID AT TIME OF CLOSING. DEFERRED BALANCE WAS NOT LISTED AS A PAYOFF ON THE CD - SEE PG 124 (GUIDELINES VERSION REDACTED PER APPLICATION DATE) DEFERRED BALANCE IS INCLUDED IN CLTV CALCULATION - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Forbearance Agreement attached fo rREDACTED- Seller-REDACTED<br> Ready for Review-Please advise what is now needed on this one in detail I don't see why this was'nt cleared??? Thank you - Seller-REDACTED<br> Ready for Review-Document Uploaded. LOE from Borrower to Explain NON interest bearing REDACTED - Seller-REDACTED<br> Ready for Review-Document Uploaded. \*\*\*REDACTED see attached payoff from REDACTED to reflect the non interest bearing balance is included in the actual loan balance and is supported with the credit report. \*\*(REDACTED) \*\*\*REDACTED I spoke to LO and requesting the signed LOE with the explanation for the deferment non interest bearing balance, and also for the Modification, LO to obtain from borrower. When in I will provide (REDACTED)<br>- Seller-REDACTED | Resolved-Document Received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **887679** C | Closed | finding-1550 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | State Reg | DC Origination Fee Test | Resolved-PCCD, delivery, and copy of check to client received. Updated compliance run, REDACTED tests passed. - Due Diligence Vendor-REDACTED<br> Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-PCCD received. Copy of refund check to borrower and letter/proof of delivery to borrower needed. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-REDACTED provided does not indicate this regulation was specifically tested. The finding remains open due to the origination fee. The origination fee is more than REDACTED of the loan amount. The origination fee is REDACTED. The maximum based on loan amount is REDACTED - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi Our Compliance is attached not sure where the fail is? can you send > Thank you - Seller-REDACTED<br> Open-The loan failed the origination fee test. (REDACTED ST § 28-3301(e)(1)-(2))The loan has an origination fee that is greater than REDACTED of the loan's principal. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. Hi Our Compliance is attached not sure where the fail is? can you send > Thank you - Seller-REDACTED | Resolved-PCCD, delivery, and copy of check to client received. Updated compliance run, REDACTED tests passed. - Due Diligence Vendor-REDACTED<br> Resolved- - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **887679** C | Closed | finding-1551 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | State Reg | DC Discount Fee Test | Resolved-PCCD, delivery, and copy of check to client received. Updated compliance run, REDACTED tests passed. - Due Diligence Vendor-REDACTED<br> Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-PCCD received, Proof of delivery to client and copy of refund check are required to clear. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-REDACTED provided does not indicate this regulation was specifically tested. The finding remains open due to the origination fee. The origination fee is more than REDACTED of the loan amount. The origination fee is REDACTED. The maximum based on loan amount is REDACTED. This regulation fails when the origination fee is greater than 1% OR the compensation for origination fee or discount fee is not set to lender or the discount fee is not bona fide, and the sum of the discount points and origination fee is more than REDACTED of the principal. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. see Compliance Pass please provide I think this is duplicate condition Thank you - Seller-REDACTED<br> Open-The loan failed the discount fee test. (REDACTED ST § 28-3301(e)(1)-(2))This loan failed because either:The loan has an origination fee that is greater than REDACTED of the principal; orThe compensation for origination fee or discount fee is not set to lender or the discount fee is not bona fide, and the sum of the discount points and origination fee is more than REDACTED of the principal. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. see Compliance Pass please provide I think this is duplicate condition Thank you - Seller-REDACTED | Resolved-PCCD, delivery, and copy of check to client received. Updated compliance run, REDACTED tests passed. - Due Diligence Vendor-REDACTED<br> Resolved- - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **887679** C | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Schedule C income worksheet received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Business verification received.<br>Remaining open:<br> 1. Schedule C income worksheet on page 270 is incomplete, The business name is missing, date completed is missing. 2. Lender to verify if this is locked as a one year full doc or two year full doc - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. No CPA self Prepared see Biz License Search and FVOE - Seller-REDACTED <br> Open-1. Schedule C income worksheet on page 270 is incomplete, The business name is missing, date completed is missing. <br> 2. Lender to verify if this is locked as a one year full doc or two year full doc<br> 3. Missing business verification - CPA/tax professional letter, online regulatory/licensing verification<br>- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. No CPA self Prepared see Biz License Search and FVOE - Seller-REDACTED | Resolved-Schedule C income worksheet received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **887679** C | Closed | FCRE1326 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Acknowledged-YTD P&L received, dated after note & disbursement date. YTD P&L was not in file at the time of closing. - Acknowledged - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. YTD profit and loss attached - Seller-REDACTED <br> Open-Borrower 1 YTD Profit & Loss Missing P&L provided see page 275 is from 1REDACTED. REDACTED YTD profit and loss required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. YTD profit and loss attached - Seller-REDACTED | Acknowledged-YTD P&L received, dated after note & disbursement date. YTD P&L was not in file at the time of closing. - Acknowledged - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | **887679** C | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Since there is no CPA all is self prepared see attached Biz search (license) and FVOE - Seller-REDACTED<br> Open-borrower is schedule C self employed, missing proof of existence of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Since there is no CPA all is self prepared see attached Biz search (license) and FVOE - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **887679** C | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. REDACTED 1008 Attached - Seller-REDACTED<br> Open-Missing 1008/UW Approval Document Corrected 1008 needed with verified income amounts as calculated on income worksheets - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED 1008 Attached - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **887679** C | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. REDACTED Attached Thank you - Seller-REDACTED<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED Attached Thank you - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **869440** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **816697** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **812221** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Recorded discharge received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see recorded discharge - Seller-REDACTED<br> Counter-Since the discharge isn't recorded, yes, proof that it is removed from title is what we need to clear the finding. Thank you! - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Sorry about that. I thought the discharge was also attached. Will you also need confirmation from title that it will be removed? - Seller-REDACTED<br> Counter-An email chain cannot be accepted for verification a lien is removed from title. Please provide updated title to verify this lien is removed:Verification the lien shown on title is paid: Pg. 438 - #22 - Mortgage made by REDACTED and recorded on REDACTED in the amount of REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. The REDACTED loan matured and no balance due. Mortgage discharged. Please let me know if there is anything else that I am able to provide.. - Seller-REDACTED<br> Open-Verification the lien shown on title is paid:<br> Pg. 438 - #22 - REDACTED<br>(REDACTED - was paid off on Final CD) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see recorded discharge - Seller-REDACTED<br> Ready for Review-Document Uploaded. Sorry about that. I thought the discharge was also attached. Will you also need confirmation from title that it will be removed? - Seller-REDACTED<br> Ready for Review-Document Uploaded. The REDACTED loan matured and no balance due. Mortgage discharged. Please let me know if there is anything else that I am able to provide.. - Seller-REDACTED | Resolved-Recorded discharge received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **812221** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. W2 transcripts - Seller-REDACTED<br> Open-Borrower 1 IRS Transcripts Missing W2 transcripts missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. W2 transcripts - Seller-REDACTED | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **873283** C | Closed | finding-3922 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | ComplianceEase | Lender Fees Test | Resolved-PCCD received. - Due Diligence Vendor-REDACTED <br> Ready for Review-TPR compliance group review - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached cure items. Post close CD, check, LOE.<br> Thanks! - Buyer-REDACTED<br> Open-This loan failed the lender fees test due to one of the following findings: (NC §24-1.1A(e); NC 24-10(a), (g))The loan is a first lien closed end mortgage with a principal amount that is greater than or equal to $10,000 and the sum of all lender fees exceeds the greater of 0.25% of the principal amount or $150. Lender fees are all fees designated for the lender other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and interest; orThe loan is a first lien closed end mortgage made by a HUD approved lender and the sum of all lender fees exceeds the greater of 0.25% of the principal amount or $150. Lender fees are all fees designated for the lender other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and interest; orThe loan is a first lien closed end mortgage with a principal amount that is less than $10,000 and the loan charges a lender fee. (NC 24-1.1A(c1)); orThe loan is a first lien home equity line of credit, and the sum of all lender fees exceeds 1% of the principal amount. (NC 24-10(a)); orThe loan is a second lien mortgage and is a "construction loan" as defined in NC General Statutes § 24-10(c) with more than two units, and the sum of all lender fees exceeds 2% of the principal amount (NC 24-10(a),(g)); orThe loan is a second lien mortgage and is a "construction loan" as defined in NC General Statutes § 24-10 (c) with one or two units, was not made by a HUD approved lender, and the sum of all lender fees exceeds 1% of the principal amount (NC 24-10(a),(g)); orThe loan is a second lien mortgage and is not a "construction loan" as defined in NC General Statutes § 24-10 (c), was not made by a HUD approved lender, and the sum of all lender fees exceeds 1% of the principal amount. (NC 24-10(a)); orThe loan is a second lien mortgage and is not a "construction loan" as defined in NC General Statutes § 24-10 (c), was made by a HUD approved lender, and the sum of all lender fees exceeds 2% of the principal amount (NC 24-10(a)). - Due Diligence Vendor-REDACTED |  | Resolved-PCCD received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| REDACTED |  | **873283** C | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached Gap Credit Report.<br> Thanks! - Seller-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing CREDIT REPORT IS DATED REDACTED AND NOTE DATE IS REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached Gap Credit Report.<br> Thanks! - Seller-REDACTED | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| REDACTED |  | **873283** C | Closed | FCRE5783 | REDACTED | REDACTED | 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-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached Gap Credit Report.<br> Thanks! - Buyer-REDACTED<br> Open-Borrower 2 Gap Credit Report is Missing CREDIT REPORT IS DATED REDACTED AND NOTE DATE IS REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| REDACTED |  | **873283** C | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see page 10 of 13, second tradeline from the bottom. REDACTED. Date last Active REDACTED<br> Thanks! - Seller-REDACTED<br> Open-Verification of the mortgage that was the first lien on the property prior to REDACTED to verify REDACTED months mortgage history. It appears that the prior mortgage may have been REDACTED based on dates. Lender to advise. If not, need WOM on additional 3 months of mortgage payment history prior to current first mtg serviced by REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see page 10 of 13, second tradeline from the bottom.REDACTED. Date last Active REDACTED<br> Thanks! - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| REDACTED |  | **873283** C | Closed | FPRO1242 | REDACTED | REDACTED | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached appraisal. <br> Thanks! - Seller-REDACTED<br> Open-APPRAISAL IS MISSING. ONLY CDA WAS PROVIDED AND COPY OF APPRAISER'S LICENSE - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached appraisal. <br> Thanks! - Seller-REDACTED | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| REDACTED |  | **873283** C | Closed | FCRE1195 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Max CLTV for rural property =REDACTED%. Exception approved at REDACTED. Page 2. - Due Diligence Vendor-REDACTED |  | Waived-Max CLTV for rural property = REDACTED. Exception approved at REDACTED. Page 2. - Due Diligence Vendor-REDACTED |  | REDACTED |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes |
| REDACTED |  | **829423** |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **885761** C | Closed | FCRE1167 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached RCE.<br> Thanks! - Buyer-0REDACTED<br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided 1ST AND 2ND MTGS COMBINED=REDACTED. COVERAGE IS REDACTED WHICH IS REDACTED. Need RCE or Coverage A increased. - Due Diligence Vendor-REDACTED |  | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **885761** C | Closed | FVAL2477 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see updated appraisal marked as Tenant.<br> Thanks! - Buyer-REDACTED<br> Open-Appraisal in file is marked as owner occupied vs. tenant. This is an investment property. 1004 to be updated. - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **885761** C | Closed | FCOM1231 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached Initial signed 1003.<br> Thanks! - Buyer-REDACTED <br> Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED |  | Resolved-received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **824119** | Closed | FCRE6737 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-- Missing documentation to verify the relationship between employer name on paystub/Transcripts (REDACTED) vs employer name on VVOE/Final 1003 (REDACTED). Lender provided business locations list on page 155 that shares the same address with REDACTED on paystub but no explanation to verify the business is one and the same page 156,148,154 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **822960** C | Closed | FCRE8201 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Accepted - resolved, deferred balance added to CLTV. - Due Diligence Vendor-REDACTED<br> Counter-REDACTED review initiated by TPR. App date is REDACTED, guidelines effective date based on application date is REDACTED. Guidelines version REDACTED states:<br> "2.3 Ineligible Senior Liens<br> A copy of the most current 1st mortgage statement is required to determine eligibility. Statement date to be within 60 days of Note date. Additional 1st mortgage documentation may be required to provide sufficient data for underwriting.<br> • Loans in active forbearance or deferment. Deferred balance due to a documented hardship may remain open. Without documented hardship, deferred amounts must be paid through closing."<br>\*\*\*REDACTED acceptance needed. Deferred balance will need to be added into CLTV once acceptance confirmed. Lender to note the CLTV difference. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please review attached - Seller-REDACTED <br> Open-First mortgage statement shows a deferred balance of REDACTED. Deferred balances on the first lien are required to be paid at closing. The deferred balance was not paid off at closing. Documented hardship in file due to REDACTED. REDACTED acceptance needed. Deferred balance will need to be added into CLTV once acceptance confirmed. Lender to note the CLTV difference. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please review attached - Seller-REDACTED | Resolved-Accepted - resolved, deferred balance added to CLTV. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **822960** C | Closed | FVAL5524 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Property | Ineligible Property | Resolved-Property accepted - Due Diligence Vendor-REDACTED<br> Counter-REDACTED review initiated by TPR. Mixed use property will require an exception from REDACTED to clear finding. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please review attached. - Seller-REDACTED<br> Open-Property is ineligible as it is a mixed use property. B1 SE business is a REDACTED. REDACTED is located in the lower level of the subject property. REDACTED email chain indicating approval of allowing the REDACTED to remain in the basement of the home is located on pg 720. REDACTED approval required for exception. <br>- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please review attached. - Seller-REDACTED | Resolved-Property accepted - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **822960** C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please review COC attached that was included in package reflecting change to CR - Seller-REDACTED<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 REDACTED.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 CREDIT REPORT FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE CREDIT REPORT FEE INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMEMTN WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please review COC attached that was included in package reflecting change to CR - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **822960** C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please see attached COC provided in package reflecting CR change - Seller-REDACTED<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 CREDIT REPORT FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE CREDIT REPORT FEE INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMEMTN WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached COC provided in package reflecting CR change - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **887718** C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached COC form.<br> Thanks! - Buyer-REDACTED<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. points were disclosed in the amount of REDACTED on the intial le. points increased to the amount of REDACTED on the final cd. no coc or reimbursement was located in the file. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **887718** C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached COC form.<br> Thanks! - Buyer-REDACTED<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 REDACTED.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). points were disclosed in the amount of REDACTED on the intial le. points increased to the amount of REDACTED on the final cd. no coc or reimbursement was located in the file. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **876325** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Proof of tax payment received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached updated tax cert reflecting the taxes are paid. The tases are impounded with the first loan, and paid, thus not collected through the loan.<br> Thanks! - Buyer-REDACTED<br> Open-Property Title Issue Missing evidence of unpaid tax amount of REDACTED mandated to be paid on REDACTED per Title policy requirement page 279,271. Loan closed on REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Proof of tax payment received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **876325** | Closed | FCRE6763 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached 6 months bank statements to support receipt.<br> Thanks! - Seller-REDACTED<br> Open-REDACTED income - last page of sep agreement/divorce decree from REDACTED in file. FNMA guidelines to verify alimony income are required. Full sep agreement/divorce decree required, 6 months bank statements verification of receipt required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached 6 months bank statements to support receipt.<br> Thanks! - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **876325** | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached updated mortgage statement.<br> Thanks! - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement dated REDACTED is more than 60 days allowed by guidelines from Note REDACTED. page 135 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached updated mortgage statement.<br> Thanks! - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **876325** | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached soft pull.<br> Thanks! - Buyer-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **816863** | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Finding is resolved. TPR confirmed T&I for the commercial property are included in total calculation. Verification is in file that the REDACTED loan was paid in full in REDACTED. DTI is now within guidelines. - Due Diligence Vendor-REDACTED<br> Counter-Document Uploaded. Warranty Deed uploaded indicating transfer of the property to the business as owner. Email to lender - Thanks for the detail. I've uploaded the warranty deed to the file and the information. Since the business owns the property free & clear, what is the monthly payment of REDACTED? Is this taxes and insurance? Is there proof the business paid them from a business account last year? - Due Diligence Vendor-REDACTED<br> Counter-Verification is needed that "rent or lease of buildings" on P&L includes the REO monthly payment of REDACTED for REDACTED commercial property. P&L indicates REDACTED total which does not match up to 3 months of the monthly payment. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open- - Audited DTI OF REDACTED% exceeds guidelines DTI of REDACTED%. Lender excluded other REO monthly payment of REDACTED forREDACTED commercial property from DTI with no supporting documentation. No verification in file that business pays this payment. - Due Diligence Vendor-REDACTED | Comments from lender - The property atREDACTED is owned free & clear by the borrower. It is a commercial property which the borrower sold to his business and recorded REDACTED(REDACTED returns were not yet completed). It is not listed on the business tax returns due to this, nor on the P&L as a line item, so this was listed separately on his application as a REO and the taxes/ins counted against him in the DTI. We do not have any control how their CPA completes their P&L, so that is why this was completed as a separate item in qualifying. They may be yet trying to determine how to treat this asset/liability. There is no income being derived from this property – only debt which is in DTI of (REDACTED)/mo . See DU line: REDACTED<br>And since this is an owned property, it is unlikely they would report fixed asset expense in this leased property line. The lease property line item appears on each tax return and P&L. They rent other buildings to run their business out of as is supported by the returns/P&L. <br> - REDACTED<br>Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Finding is resolved. TPR confirmed T&I for the commercial property are included in total calculation. Verification is in file that the REDACTED loan was paid in full in REDACTED. DTI is now within guidelines. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | **816863** | Closed | FCRE1326 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-0REDACTED<br> Open-Borrower 1 YTD Profit & Loss Missing - Missing YTD P&L statement for borrower business - REDACTED to meet guidelines requirement of 60 days age of documentation from Note date - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | **816863** | Closed | FCRE1356 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 YTD Profit & Loss Missing | Resolved-Borrower 2 YTD Profit & Loss Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 2 YTD Profit & Loss Missing - Missing YTD P&L statement for borrower business - REDACTED, to meet guidelines requirement of 60 days age of documentation from Note date - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Borrower 2 YTD Profit & Loss Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | **822034** | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, disb REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 DATE OF DISBURSEMENT FROM THE FINAL CD IS REDACTED . THE DATES ON THE NOTICE OF THE RIGHT TO CANCEL WERE CHANGED AND INITIALIZED BY THE BORROWER TO REFLECT THE LAST DAY TO CANCEL AS REDACTED , THE SAME DAY OF DISBURSMENT. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-PCCD received, disb REDACTED - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **822034** | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence VendorREDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **822034** | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-FTP with coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - The Title policy does not reflect coverage amount. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-FTP with coverage received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **822034** | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br> Resolved-. - Due Diligence VendorREDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **832333** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **882755** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-This closing protection letter does not show the amount of lender's title coverage. Please provide verification of the amount of lenders title coverage. This is an investor requirement. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Yes FNMA requires the lenders title insurance coverage equal to the loan amount but on the Final Title Policy and not on the preliminary title report. - Seller-REDACTED <br> Counter-When REDACTED guidelines are silent, the default is FNMA guidelines. Lenders title insurance coverage equal to the loan amount is required. Please submit title policy showing coverage, the closing protection letter from the title company if it can be associated to the title policy showing coverage, or the final title policy showing the amount of lender's coverage. - Due Diligence Vendor-REDACTED <br> Ready for Review-You are our only investor requiring this. Please provide guidelines regarding this exception. - Seller-REDACTED <br> Counter-Escrow instructions state the loan amount, not the amount of coverage provided as lenders title ins coverage - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of title insurance coverage amount - amount is not listed on preliminary title. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED><br> Ready for Review-Document Uploaded. Yes FNMA requires the lenders title insurance coverage equal to the loan amount but on the Final Title Policy and not on the preliminary title report. - Seller-REDACTED <br> Ready for Review-You are our only investor requiring this. Please provide guidelines regarding this exception. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **882755** C | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Documents received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Settlement statement received. A PCCD & verification it was sent to the borrower is required to verify true disbursement date & TILA compliance. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Rescission ended on REDACTED . True Disbursement Date is REDACTED . - Seller-REDACTED <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 DATE OF THE NOTE, DEED AND THE FINAL CD IS REDACTED . THE BORROWER SIGNED CLOSING DOCUMENTS ON REDACTED . THE BORROWER INITIALIZED CHANGES OF THE DATES TO THE NOTICE OF THE RIGHT TO CANCEL. THE LAST DAY TO CANCEL WAS THEN DISCLOSED AS REDACTED WHICH WAS THE DATE OF DISBURSEMENT FROM THE FINAL CD. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Rescission ended on REDACTED . True Disbursement Date is REDACTED . - Seller-REDACTED  | Resolved-Documents received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **804845** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **845134** C | Closed | FCOM9464 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Summaries of Transaction discrepancy | Resolved-First mtg rate REDACTED - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Signed final CD #2 on page 533, signed on REDACTED is the correct version. Please see attached. IRS was not paid off. They were already paid off from prior transaction and the seller received the release from IRS prior to closing See attached for irs payoff demand and final alta from previous transaction that shows paid off. <br> Thanks! - Buyer-REDACTED <br> Open-There are two final CDs in file. Final CD#1 signed on REDACTED , page 992 - shows payoff to the IRS and cash to borrower of REDACTED . Signed final CD #2 on page 533, signed on REDACTED , shows no payoff to the IRS and REDACTED cash to borrower. Verification of which CD is correct is required as well as verification the IRS debt was paid off since there is a discrepancy in file. - Due Diligence Vendor-REDACTED |  | Resolved-First mtg rate REDACTED - Due Diligence VendorREDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **845134** C | Closed | FCRE3464 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached updated CPA letter dated within 30 days of the note. <br> Thanks! - Seller-REDACTED <br> Counter-CPA letter is greater than 30 days from note date, there is no date on the preparer lookup or business license. For S/E, verification must be within 30 days of note date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached.<br> Thanks! - BuyerREDACTED <br> Open-MIssing closing/VVOE - verification of self-employment - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached updated CPA letter dated within 30 days of the note. <br> Thanks! - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **845134** C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached final CD and 1st payment letter.<br> Thanks! - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per notes, borrower refinanced 1st mortgage with REDACTED on REDACTED . The final CD from the new first mortgage and 1st payment coupon are missing from file which are required to verify new first mortgage loan amount, terms, payment information. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached final CD and 1st payment letter.<br> Thanks! - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **833853** | Closed | FCRE1168 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-HOI received - Due Diligence Vendor-REDACTED <br> Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Updated RCE received. Email verification of coverage changes made, however an updated Evidence of Property Insurance showing the Coverage A, premium, effective dates, and lender lien holder is needed. The premium decrease when coverage increased has to be verified with an Evidence of Property Insurance form. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - SellerREDACTED <br> Counter-Title ins documentation received. HOI coverage is needed. Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED RCE cannot be used. RCE shows 1465 sq ft & built in REDACTED vs. appraisal showing newer build and 4300+ sq ft. Coverage A is not adequate to cover all outstanding liens. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED RCE cannot be used. RCE shows 1465 sq ft & built in REDACTED vs. appraisal showing newer build and 4300+ sq ft. Coverage A is not adequate to cover all outstanding liens. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-HOI received - Due Diligence Vendor-REDACTED <br> Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **833853** | Closed | FCRE6763 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Two years current continuous self-employment verified with business license from third party, articles received - resolved. - Due Diligence VendorREDACTED <br> Ready for Review-Regarding the CPA letter -- Manager would like to dispute this since this was full bank statements and the cash out was used for reserves. Can you please clear this? Thank you - Seller-REDACTED <br> Ready for Review-Document Uploaded. Articles of Inc, Bus active license & Bus 100% ownership - working on getting the CPA letter - Seller-REDACTED <br> Counter-REDACTED bank statement received. Still need Business license, articles of operation, business verification documents/CPA letter needed. - There is not 2 years of ownership verified. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-1. REDACTED bank statement is missing.REDACTED is uploaded twice. <br> 2. Business license, articles of operation, business verification documents/CPA letter needed. - There is not 2 years of ownership verified. - Due Diligence Vendor-REDACTED | Ready for Review-Regarding the CPA letter -- Manager would like to dispute this since this was full bank statements and the cash out was used for reserves. Can you please clear this? Thank you - SellerREDACTED <br> Ready for Review-Document Uploaded. Articles of Inc, Bus active license & Bus 100% ownership - working on getting the CPA letter - SellerREDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Two years current continuous self-employment verified with business license from third party, articles received - resolved. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **833853** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Final CD received, DTI under REDACTED%, CD reflects Principal & Interest payment, but DTI is under REDACTED%, therefore resolved. REDACTED first mortgage verified paid off with final CD and FTP. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-0REDACTED <br> Open-Did Ameritrust refinance the Selene first mortgage into a new first mortgage lien of REDACTED? If so, we need the final CD from that transaction showing REDACTED paid off and the new first mortgage note verifying payment/terms. If not, the REDACTED first mortgage statement (pg 380/568) shows the first mortgage currently delinquent. Need verification that both payments due by REDACTED were made and verification REDACTED is not reporting 1x30. If the first is not being refinanced, need a copy of the orginal first mortgage note to verify terms of the mortgage. Title shows REDACTED, but the first mtg balance with Selene is higher than that so must verify this is not a neg am. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Final CD received, DTI under REDACTED%, CD reflects Principal & Interest payment, but DTI is under REDACTED%, therefore resolved. REDACTED first mortgage verified paid off with final CD and FTP. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **833853** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-FTP received, exceptions removed from FTP. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-1. Title policy in file appears to be for the first mortgage coverage of REDACTED. The title policy covering the second lien in the amount of REDACTED is needed. <br> 2. Verification that the open line of credit DOT with REDACTED is closed (REDACTED, title page 353, item #15)<br> 3. Removal of the Financing Statement/UCC lien with REDACTED - title page 353, #17 <br>- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-FTP received, exceptions removed from FTP. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **833853** | Closed | FCRE4805 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust cert received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Trust Certification needed - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - SellerREDACTED  | Resolved-Trust cert received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **845599** | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED <br> Resolved-Updated 1003 with correct year received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Final 1003 - pg 30 - is dated REDACTED instead of REDACTED . - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED <br> Resolved-Updated 1003 with correct year received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **845599** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **845599** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-FTP received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title coverage is not listed on policy, Proof of lenders coverage amount required. - Due Diligence VendorREDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-FTP received - Due Diligence VendorREDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **899010** C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-First mortgage statement within 60 days of note date received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. please see attached mortgage statement dated before note date. - Seller-REDACTED <br> Counter- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. PLEASE SEE MORTGAGE STATEMENT - Seller-REDACTED <br> Open-First mortgage statement in file is greater than 60 days old. First mortgage statement dated within 60 days of note date required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. please see attached mortgage statement dated before note date. - SellerREDACTED <br> Ready for Review-Document Uploaded. PLEASE SEE MORTGAGE STATEMENT - Seller-REDACTED  | Resolved-First mortgage statement within 60 days of note date received. - Due Diligence VendorREDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **899010** C | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. SEE TRANSCRIPTS - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing B1 W2 Transcripts for REDACTED & REDACTED 4 missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. SEE TRANSCRIPTS - Seller-REDACTED  | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **899010** C | Closed | FCRE1365 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-SEE TRANSCRIPTS - Seller-REDACTED <br> Open-Borrower 2 IRS Transcripts Missing B1 W2 Transcripts forREDACTED &REDACTED missing - Due Diligence Vendor-REDACTED | Ready for Review-SEE TRANSCRIPTS - Seller-REDACTED  | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **899010** C | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. PLEASE SEE UPDATED 1008 - Seller-REDACTED <br> Open-Missing 1008/UW Approval Document Updated 1008 with primary wage earner mid score as qualifying FICO per guidelines is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. PLEASE SEE UPDATED 1008 - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **890620** | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing CPA letter used as VVOE is not within 30 days of note date. CPA letter REDACTED , note dateREDACTED . - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br> Resolved-. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **890620** | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **821864** C | Closed | FCRE1195 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Acknowledged-Investor approval received. Exception form from lender received to allow use of guidelines at time of lock vs. application date to allow for REDACTED% CLTV vs. REDACTED% max CLTV as of application date per guideline requirement. - Due Diligence Vendor-REDACTED <br> Open-Guidelines dated REDACTED and Matrix dated REDACTED for an application dated REDACTED reflect maximum CLTV of REDACTED% for a REDACTED representative credit score using bank statement income qualification. However, the calculated CLTV of REDACTED% was used for approval. (REDACTED 1st lien, REDACTED 2nd lien / appraised value REDACTED). The audited CLTV is over the maximum allowed by guidelines. - Due Diligence Vendor-REDACTED |  | Acknowledged-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Acknowledged-Investor approval received. Exception form from lender received to allow use of guidelines at time of lock vs. application date to allow for REDACTED% CLTV vs. REDACTED% max CLTV as of application date per guideline requirement. - Due Diligence Vendor-REDACTED  |  | Low DTI, no derogatory credit prior 48+ months, no mortgage lates, cash back reserves | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| REDACTED |  | **827201** C | Closed | finding-3635 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-PCCD & letter in file - Due Diligence Vendor-REDACTED <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% (REDACTED) exceed the comparable charges (REDACTED) 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 FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE RECORDING FEE INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED |  | Resolved-PCCD & letter in file - Due Diligence Vendor-REDACTED  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **827201** C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 REDACTED.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). THERE WAS NO APPRAISAL RE-INSPECTION FEE DISCLOSED ON THE INITIAL LE. AN APPRAISAL RE-INSPECTION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-COC received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **827201** C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-PCCD & letter received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 RECORDING FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE RECORDING FEE INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE.THERE WAS NO APPRAISAL RE-INSPECTION FEE DISCLOSED ON THE INITIAL LE. AN APPRAISAL RE-INSPECTION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-PCCD & letter received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **827201** C | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Fraud Guard attached - Seller-REDACTED <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Fraud Guard attached - Seller-REDACTED  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **889194** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **869799** | Closed | FCRE7805 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Resolved - Equifax WVOE - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. WVOE was executed by REDACTED as validated on page 4 of 8. The WVOE is ordered via our credit vendor REDACTED, but is executed by REDACTED. This should be all that is required, no bank statements. - Seller-REDACTED <br> Open-2 months personal bank statements must be provided supporting WVOE employment wages when using WVOE - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED was executed by REDACTED as validated on page 4 of 8. The WVOE is ordered via our credit vendor REDACTED, but is executed by REDACTED. This should be all that is required, no bank statements. - Seller-REDACTED  | Resolved-Resolved - Equifax WVOE - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **869799** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Recorded submordination agreement & interspousal deed received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Subordination agreement + interspousal grant deed reflecting removal of REDACTED. - Seller-REDACTED <br> Open-1. Preliminary Title reflects property is vested to - REDACTED, a single man and REDACTED, a single woman as joint tenants. Was there a removal of REDACTED at closing? Updated title needed to verify. REDACTED did not sign any documents or RTC.<br> 2. The subordinated lien from the solar company is noted. This mortgage will be second lien position as required. Please submit final title policy for verification or the recorded subordination agreement. (Unrecorded copy pg 170) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Subordination agreement + interspousal grant deed reflecting removal of REDACTED. - Seller-REDACTED  | Resolved-Recorded submordination agreement & interspousal deed received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **869799** | Closed | FCRE1158 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Verification HOI paid at closing on final settlement statement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Final Settlement Statement confirming haz insurance premium as paid - Seller-REDACTED <br> Open-Verification HOI was paid and is in effect. Proof of HOI in file states "policy will be effective when premium has been paid." (page 42) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Final Settlement Statement confirming haz insurance premium as paid - SellerREDACTED  | Resolved-Verification HOI paid at closing on final settlement statement received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **869799** | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - VVOE in file is dated REDACTED , appears incorrect year was entered accidentally. Please provide updated VVOE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - SellerREDACTED  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **816023** C | Closed | FCRE7009 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-100% replacement cost confirmed - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached email from the agent confirming 100% replacement cost.<br> Thanks! - Buyer-REDACTED <br> Open-RCE is over 12 months old - from REDACTED . Coverage A does not cover sum of liens REDACTED. Updated RCE or increased coverage A needed. - Due Diligence Vendor-REDACTED |  | Resolved-100% replacement cost confirmed - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **809932** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **829421** | Closed | FCOM4227 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD missing - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached initial CD.<br> Thanks! - Buyer-REDACTED <br> Counter-Hi - we need the initial CD please. This final CD matches what we have in file showing issue date REDACTED and closing date REDACTED . Thanks! - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached final CD.<br> Thanks! - Buyer-REDACTED <br> Open-MISSING THE INITIAL CD. - Due Diligence Vendor-REDACTED |  | Resolved-Initial CD missing - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **811968** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-0REDACTED <br> Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **811968** | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence VendorREDACTED <br> Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing The only credit report in the file is dated REDACTED . The Note is dated REDACTED . - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-UDM received - Due Diligence Vendor-REDACTED <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br> Resolved-. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **868177** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Resolved-REDACTED received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-The most recent two years are required for transcripts. REDACTED received. REDACTED transcripts are required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-REDACTED transcripts received. Loan is 2 yr full doc, two years of transcripts are required. - Due Diligence Vendor-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Resolved-REDACTED received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **864499** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Verification of taxes paid received. AIN number matches additional document from assessor on AIN number with property address. - Due Diligence Vendor-REDACTED <br> Counter-On the upload titled "Proof of Taxes Paid," the REDACTED payment shows delinquent as ofREDACTED . Loan disbursed REDACTED . Please advise. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. The Tax Assessor website shows this property is current. - Seller-REDACTED <br> Open-Property Title Issue Verification of payment of property taxes REDACTED due REDACTED , loan closed REDACTED and taxes were not paid on CD. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The Tax Assessor website shows this property is current. - Seller-REDACTED  | Resolved-Verification of taxes paid received. AIN number matches additional document from assessor on AIN number with property address. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **864499** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Forbearance ended REDACTED . Seasoning & guidelines allow no additional documentation. - Due Diligence Vendor-REDACTED <br> Ready for Review-1. The docs in file shows forbearance which ended in REDACTED . No other information was required due to the seasoning and there are not any negative ratings on credit. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of deferred terms on the first mortgage, modification note/agreement required for verification - Due Diligence Vendor-REDACTED | Ready for Review-1. The docs in file shows forbearance which ended in REDACTED . No other information was required due to the seasoning and there are not any negative ratings on credit. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Forbearance ended REDACTED . Seasoning & guidelines allow no additional documentation. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **864499** | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Rental income worksheet received. Worksheet shows a higher amount than 1008 and loan submission. Lower amount as submitted on 1008 is used. - Due Diligence Vendor-REDACTED <br> Ready for Review- - Due Diligence Vendor-REDACTED <br> Counter-Lender wage income worksheet received. Rental income worksheet/calculation still needed. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Income worksheet in file is blank and there is no rental income worksheet in file. Updated income worksheet and a rental income worksheet. - Due Diligence VendorREDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Rental income worksheet received. Worksheet shows a higher amount than 1008 and loan submission. Lower amount as submitted on 1008 is used. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **864499** | Closed | FCRE1439 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Gap Credit Report Incomplete | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-- LOE for inquiry on REDACTED from REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **809924** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **866157** C | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br> Open-Missing Evidence of Property Tax There is no Tax Cert in the file and no Tax information provided on the Title Report. The tax amount entered was taken from the appraisal. - Due Diligence Vendor-REDACTED |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **866157** C | Closed | FCRE1328 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED <br> Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Received REDACTED W2s &REDACTED W2s. REDACTED W2s from both employers required - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-REDACTED W2s from both employers required - Due Diligence Vendor-REDACTED | REDACTED W2s received for both employers. - REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **866157** C | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Lease agreements received. Tax returns are N/A. Property purhased in REDACTED , rented out in REDACTED . - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Lender rental income calculation worksheet received. Still need: documentation of rental income with most recent year (REDACTED) tax returns including schedule E. The lease agreements submitted for REDACTED (primary?) and REDACTED property do not have beginning dates until REDACTED and REDACTED , respectively. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing documentation of rental income with most recent year (REDACTED) tax returns including schedule E. The lease agreements submitted for REDACTED and REDACTED property do not have beginning dates until REDACTED and REDACTED , respectively. Need lender income calculation worksheet for rental income also. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Lease agreements received. Tax returns are N/A. Property purhased in REDACTED , rented out in REDACTED . - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **866157** C | Closed | finding-1228 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | State Reg | NJ Second Lien Prohibited Fees Test | Resolved-PCCD and refund check received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Occupancy Inspection Fee of REDACTED is not an allowable fee per the REDACTED second lien prohibited fees test. (REDACTED §17:11C-80, REDACTED. §§3:15-9.2)) - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Rescinded-This loan failed the second lien prohibited fees test.<br> (REDACTED. §17:11C-80, REDACTED. §§3:15-9.2)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(1) no more than three discount points;(2) reasonable attorney fees at the time the execution of the loan;(3) title examination, abstract of title, survey, and title insurance;(4) credit report fee;(5) appraisal fee;(6) recording fees;(7) application fee;(8) returned check fee not to exceed $20, a late charge not to exceed 5% of the late payment, and(9) on open-end loans, the lesser of an annual fee of $50 or 1% or the line of credit. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-PCCD and refund check received. - Due Diligence Vendor-REDACTED <br> Rescinded-This loan failed the second lien prohibited fees test.<br> (REDACTED. §17:11C-80, REDACTED. §§3:15-9.2)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(1) no more than three discount points;(2) reasonable attorney fees at the time the execution of the loan;(3) title examination, abstract of title, survey, and title insurance;(4) credit report fee;(5) appraisal fee;(6) recording fees;(7) application fee;(8) returned check fee not to exceed $20, a late charge not to exceed 5% of the late payment, and(9) on open-end loans, the lesser of an annual fee of $50 or 1% or the line of credit. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **866157** C | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Docs received - Due Diligence Vendor-REDACTED <br> Counter-DTI over REDACTED%. <br>Note - Verification REDACTED is not owned by borrower is in file. PITIA for that property is not needed as it is not owned by this borrower. - Due Diligence Vendor-REDACTED <br> Counter-Document Uploaded. - Due Diligence VendorREDACTED <br> Counter-Original 1008 re-submitted. Rental income and PITIA on needed for verification to determine final DTI. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-DTI is over REDACTED%. Rental income and PITIA on needed for verification to determine final DTI. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Docs received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **866157** C | Closed | FPRO1253 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Data | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Document Received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Original appraisal re-submitted. Property occupancy must be determined. If property is determined to be rental not primary, a desk review is required. - Due Diligence VendorREDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-If property is determined to be rental not primary, a desk review is required. - Due Diligence Vendor-REDACTED <br> Rescinded-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Document Received. - Due Diligence Vendor-REDACTED <br> Rescinded-Secondary Valuation or Additional Valuation has not been entered per securitization requirements and CU Score, if present, is greater than 2.5 - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **866157** C | Closed | FCRE5770 | REDACTED | REDACTED | 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-REDACTED <br> Open-Borrower 1 Credit Report is Missing. There is no Credit Report in the file. There is only a supplemental on page 46 but does not include the subject property. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **866157** C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-VOM uploaded is not for the subject property. Still need the VOM for subject property. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Lease agreements for subject property received. Still need - there is no VOM for the subject property in the file. Mortgage statement from first mortgage company dated within 60 days of the note date required. - Due Diligence Vendor-REDACTED <br> Ready for Review-email from lender - Due Diligence Vendor-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. There is no VOM for the subject property in the file. Mortgage statement from first mortgage company dated within 60 days of the note date required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - SellerREDACTED  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **866157** C | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-REDACTED does not have gap credit reports so we provide the UDM in lieu of the gap credit. - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-REDACTED does not have gap credit reports so we provide the UDM in lieu of the gap credit. - Seller-REDACTED  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **866157** C | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Confirmed the borrower does not own this property. - Due Diligence Vendor-REDACTED <br> Open- is not listed on 1003 as a rental property. Final 1003 to be updated. Verification of any mortgage payments, taxes, and insurance are needed on this property. - Due Diligence Vendor-REDACTED |  | Resolved-Confirmed the borrower does not own this property. - Due Diligence Vendor-REDACTED  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **866157** C | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received - titled "LOE" - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter- - Due Diligence Vendor-REDACTED <br> Ready for Review-Credit Inquiry LOE uploaded does not address the UDM inquiries - REDACTED - REDACTED, REDACTED - REDACTED, and 2 inquiries from REDACTED on REDACTED . - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing credit inquiry letter of explanation for UDM inquiries - REDACTED - REDACTED, REDACTED - REDACTED, and 2 inquiries from REDACTED on REDACTED . - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Received - titled "LOE" - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **866157** C | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-REDACTED transcripts received - dated after note/disbursement date - Acknowleged - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-REDACTED W2 Transcripts missing. Received REDACTED & REDACTED again. - Due Diligence Vendor-REDACTED <br> Open-REDACTED W2 Transcripts Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Acknowledged-REDACTED transcripts received - dated after note/disbursement date - Acknowleged - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | **866157** C | Closed | FCRE6589 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Fraud: Potential Occupancy/Current Address Issues identified in the file | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification REDACTED is primary residence as submitted. Documents in file (paystubs, etc.) indicate primary residence is REDACTED, which is listed as a rental property on the 1003. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **866157** C | Closed | FCOM1265 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Signed RTC by both owners received - Due Diligence Vendor-REDACTED <br> Open-Non-Borrower Title Holder Did Not Sign/Receive Right of Rescission Form on page 361. - Due Diligence Vendor-REDACTED |  | Resolved-Signed RTC by both owners received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **878471** | Closed | FCRE9000 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Mortgage Statement | Resolved-Received within disbursement date - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please find updated mortgage statement - Seller-REDACTED <br> Open-Missing first mortgage statement dated within 60 days of note date. 1st lien mortgage statement (pg 57) in file is dated more than 60 days prior to the note date. Statement is dated REDACTED and Note date is REDACTED (62 days). Need recent mortgage statement dated within 60 days of the Note date. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please find updated mortgage statement - Seller-REDACTED  | Resolved-Received within disbursement date - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **878471** | Closed | FCOM6233 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing evidence required disclosure provided at application | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-An Initial ROV Appraisal Disclosure is required. However, no Initial ROV Appraisal Disclosure was in the file during review. The Initial ROV Appraisal Disclosure is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **880063** | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Verification received, DTI within guidelines - Due Diligence Vendor-REDACTED <br> Ready for Review-Our borrower co-signed for this property, see attached Note. <br> See attached 12 cancelled checked, mortgage is being paid by borrower. <br> Therefore, excluded but hit borrower with the property tax and insurance because of being on title. - Seller-REDACTED <br> Open-Verification of rental income on rental property required. Borrowers do not qualify with full payment. DTI REDACTED% - Due Diligence Vendor-REDACTED | Ready for Review-Our borrower co-signed for this property, see attached Note. <br> See attached 12 cancelled checked, mortgage is being paid by borrower. <br> Therefore, excluded but hit borrower with the property tax and insurance because of being on title. - Seller-REDACTED  | Resolved-Verification received, DTI within guidelines - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **880063** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Preliminary Title missing lender name and coverage amount. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Property Title Issue Resolved - Due Diligence VendorREDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **880063** | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-- Missing documentation to verify property taxes for other REO at REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **880063** | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **883664** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **824626** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **862405** | Closed | FCRE8201 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Payoff received for 1st mortgage to verify there is no balloon amount due for full payoff. Loan account number, balance, etc. match. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please also note that we went through the process of also ordering a payoff demand on the first lien to verify if there was any balloon payment or deferred amount due. No notations of such found. - Seller-REDACTED <br> Ready for Review-Balloon page found on page 273 is not executed. There is not a balloon payment found on any supporting documentation. Prelim and Mortgage statement also do not make any mention of a balloon payment. - Seller-REDACTED <br> Open-First mortgage modification cleared with LOE/hardship as per REDACTED guidelines, however, first mortgage has a balloon payment which comes due during the amoritization period of this second lien which makes a second mortgage behind this first ineligible per guidelines. (Balloon page 273) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please also note that we went through the process of also ordering a payoff demand on the first lien to verify if there was any balloon payment or deferred amount due. No notations of such found. - Seller-REDACTED <br> Ready for Review-Balloon page found on page 273 is not executed. There is not a balloon payment found on any supporting documentation. Prelim and Mortgage statement also do not make any mention of a balloon payment. - Seller-REDACTED  | Resolved-Payoff received for 1st mortgage to verify there is no balloon amount due for full payoff. Loan account number, balance, etc. match. Resolved. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **862405** | Closed | FCRE1330 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Alt Doc type used to qualify is WVOE only. Please note that the WVOE included is executed by Equifax/TheWorkNumber. There should not be any additional income documentation required. - Seller-REDACTED <br> Open-Borrower 1 Paystubs Missing Please advise if this loan should be submitted as a WVOE only income doc type. Received by TPR as full doc. - Due Diligence Vendor-REDACTED | Ready for Review-Alt Doc type used to qualify is WVOE only. Please note that the WVOE included is executed by Equifax/TheWorkNumber. There should not be any additional income documentation required. - Seller-REDACTED  | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **862405** | Closed | FCRE1328 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence VendorREDACTED <br> Ready for Review-Alt Doc type used to qualify is WVOE only. Please note that the WVOE included is executed by Equifax/TheWorkNumber. There should not be any additional income documentation required. - Seller-REDACTED <br> Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-REDACTED | Ready for Review-Alt Doc type used to qualify is WVOE only. Please note that the WVOE included is executed by Equifax/TheWorkNumber. There should not be any additional income documentation required. - Seller-REDACTED  | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **894935** C | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Acknowledged. Transcripts obtained post-closing. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing B1 W2 transcripts missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Acknowledged-Acknowledged. Transcripts obtained post-closing. - Due Diligence VendorREDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | **894935** C | Closed | FCRE1365 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Acknowledged-Acknowledged. W2 Transcripts obtained post-closing. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 2 IRS Transcripts Missing B2 W2 transcripts missing - Due Diligence VendorREDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Acknowledged-Acknowledged. W2 Transcripts obtained post-closing. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | **894935** C | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Calculation worksheets received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Income Calculation worksheets received - Due Diligence VendorREDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **894935** C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Documents received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 REDACTED.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 LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE LOAN ORIGINATION FEE INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Documents received - Due Diligence VendorREDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **894935** C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Documents received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE LOAN ORIGINATION FEE INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Documents received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **894935** C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved- - Due Diligence VendorREDACTED <br> Open-Updated title doc received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title coverage of REDACTED required equaling new 2nd lien. However, most recent preliminary title page 265/381 reflects REDACTED coverage. The most recent preliminary title is REDACTED less than required. - Due Diligence VendorREDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **894935** C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Document received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. <br> Guidelines require a subject current mortgage statement within 60 days of the note dated REDACTED . However, no subject mortgage statement was located in the file during review. The mortgage statement is missing. <br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Document received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **894935** C | Closed | FCRE1166 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-RCE received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Hazard Insurance Coverage Amount of REDACTED is less than Total Amount of Subject Lien(s) of REDACTED Hazard Insurance Coverage Amount of REDACTED is less than Total Amount of Subject Lien(s) of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-RCE received. - Due Diligence Vendor-REDACTED  |  | Hazard insurance coverage of REDACTED is required, However, insurance page 231 reflects coverage of REDACTED with no estimated replacement cost locate in file. The hazard insurance is REDACTED less than required. | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **816564** | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **816564** | Closed | FCRE1328 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Transcripts received, still missing Borrower 1 W2/1099 Missing - Missing W-2s for most recent 1 or 2-years required by Guidelines for salaried borrowers - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 W2/1099 Missing - Missing W-2s for most recent 1 or 2-years required by Guidelines for salaried borrowers - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **816564** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Document received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Schedule B Part 1 Exception #12 (pg 260) requires payment, satisfaction and cancellation of the first lien. This is a 2nd lien - 1st lien is not being paid off. Provide corrected title document to remove this requirement. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Document received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **816564** | Closed | FVAL1310 | REDACTED | REDACTED | Resolved | 1 - Information D A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-HOA confirmation received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-- Missing documentation to verify monthly HOA dues of REDACTED per Transmittal form 1008 page 143 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - SellerREDACTED  | Resolved-HOA confirmation received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **865790** | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached VVOE dated REDACTED .<br> Thanks! - Buyer-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing verbal voe from REDACTED is missing for borrower dated within 10 days of closing/Note date REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br> Resolved-. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **813971** C | Closed | FCRE1168 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Acknowledged-HOI coverage increase received after note/disbursement date. Coverage is now sufficient. Acknowleged. File updated. - Due Diligence Vendor-REDACTED <br> Counter-HOI email received. The total of the liens on the property is REDACTED. Coverage A must be more than REDACTED --OR-- the replacement cost estimator from the insurance company must be provided to verify Coverage A is sufficient. There is no replacement cost estimate that has been submitted at this time. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. please see attached email - Seller-REDACTED <br> Counter-Coverage A must cover total of liens or the documented/verified replacement cost estimate from thei insurance provider. A RCE must be provided or Coverage A must be increased. - Due Diligence Vendor-REDACTED <br> Ready for Review-the HOI shows REDACTED replacement coverage - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) - REDACTED and RCE is not provided - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. please see attached email - Seller-REDACTED <br> Ready for Review-the HOI shows REDACTED replacement coverage - Seller-REDACTED  | Acknowledged-HOI coverage increase received after note/disbursement date. Coverage is now sufficient. Acknowleged. File updated. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Investor Post-Close | No |
| REDACTED |  | **813971** C | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved- - Due Diligence Vendor-REDACTED <br> Counter-Schedule of REO received completed. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Schedule REO not completed on final 1003 - Due Diligence VendorREDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  |  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **822485** | Closed | FCRE1252 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is Incomplete LOAN AMOUNT OF REDACTED DOES NOT MATCH THE NOTE-SEE PG 241. Updated title or final title policy showing lender's title coverage and loan amount of REDACTED needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **822485** | Closed | FCRE1155 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-Updated HOI received - address matches - Due Diligence VendorREDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Insured property address shows the city as REDACTED. All other documentation in file (note, appraisal, DOT) show the city as REDACTED. Verification that these are the same is required or updated HOI to show city name changed to REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-REDACTED <br> Resolved-Updated HOI received - address matches - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **822485** | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing income calculation worksheet for B2. (B1 calculation is in file.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **853830** C | Closed | FCRE1168 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $- Due Diligence Vendor-REDACTED <br> Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Extended replacement 25% - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $- Required coverage amount of REDACTED exceeds dwelling coverage of REDACTED - Due Diligence Vendor-REDACTED | Sufficient coverage with extended replacement verified - REDACTED <br>Ready for Review-Document Uploaded. Extended replacement 25% - Seller-REDACTED  | Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $- Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **880208** C | Closed | FCOM1265 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Document Uploaded. FTP received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Final Title Policy is attached - Seller-REDACTED <br> Counter-Thank you for calling out that the deed was to be transferred. Please provide the Final title report verifying the deed transfer to just the borrower took place or a copy of the new recorded warranty deed for file documentation. - Due Diligence Vendor-REDACTED <br> Ready for Review-See schedule B - section 1 item (i) of the title commitment - Seller-REDACTED <br> Counter-Title document received. Non-borrowing title holder did not sign/receive right of recission, did not sign final CD, and did not sign deed of trust/mortgage as required. Per title report, property is vested to B1 and REDACTED, JTWRS. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Non-borrowing title holder did not sign/receive right of recission, did not sign final CD, and did not sign deed of trust/mortgage as required. Per title report, property is vested to B1 and REDACTED, JTWRS. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Final Title Policy is attached - Seller-REDACTED <br> Ready for Review-See schedule B - section 1 item (i) of the title commitment - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Document Uploaded. FTP received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **880208** C | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing There is no VVOE in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence VendorREDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **880208** C | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. See page 3 of attached - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See page 3 of attached - Seller-REDACTED  | Resolved-. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **893816** C | Closed | FCOM2736 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Borrower(s) did not receive 3 days right of rescission | Resolved-Updated RTC received. - Due Diligence VendorREDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Buyer-REDACTED <br> Open-B1 signed RTC on the same day as closing. The non-borrowing owner did not receive 3 days RTC. The non-borrowing owner did not sign the RTC until REDACTED . The RTC expired at midnight on 4/3. CD reflectsREDACTED disbursement. PCCD reflects an updated disbursement date of REDACTED , however, RTC form was not corrected/initialed with correct RTC expiration date. - Due Diligence Vendor-REDACTED |  | Resolved-Updated RTC received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| REDACTED |  | **893816** C | Closed | finding-3968 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | ComplianceEase | Nonrefundable Prepaid Finance Charge Test | Resolved-PCCD received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached.<br> Thanks! - Buyer-REDACTED <br> Open-This loan failed the nonrefundable prepaid finance charge test. (REDACTED. Code § 24-4.5-3-201(9))The loan's nonrefundable prepaid finance charge exceeds 2% of the note amount or line of credit. REDACTED State regulation. Total counted in REDACTED testing = REDACTED. Maximum is REDACTED per REDACTED state regulation. - Due Diligence Vendor-REDACTED |  | Resolved-PCCD received. - Due Diligence Vendor REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| REDACTED |  | **848679** C | Closed | FCOM1265 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. REDACTED is deceased and was removed at closing. <br> Thanks! - Buyer-REDACTED <br> Open-Property is vested in REDACTED and REDACTED, JTWROS. REDACTED must sign the Final CD, Right to Cancel, and DOT/Mortgage. No documents in file contain REDACTED signature. - Due Diligence VendorREDACTED |  | Resolved-. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **844283** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br> Resolved-Credit supplement received for first lien - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-First mtg statement received. Print out of payment history is received, however, this is an ineligible senior lien - first mortgage not reporting on credit report - full written VOM from lending institution required - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. FVOE attached - Seller-0REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 1. Missing mortgage statement within 60 days of Note required by Guidelines. Lender provided Note at origination dated REDACTED page 134<br> 2. Ineligible senior lien - first mortgage not reporting on credit report - full written VOM from lending institution required - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. FVOE attached - Seller-REDACTED  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br> Resolved-Credit supplement received for first lien - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **844283** | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi, My apologies that Some of the docs got uploaded under the wrong condition. Please check the attachments under VOM and VOE as the documents are all there thanks! - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Verification of employment dated REDACTED exceeds 10 days from closing REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi, My apologies that Some of the docs got uploaded under the wrong condition. Please check the attachments under VOM and VOE as the documents are all there thanks! - Seller-REDACTED  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **844283** | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. corrected Schedule A attached - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. corrected Schedule A attached - Seller-REDACTED  | Resolved-Title Coverage Amount of REDACTEDis Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **881541** | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-1007 rent REDACTED, PITIA 1838- resolved - Due Diligence Vendor-REDACTED <br> Counter-Rental Income Worksheet received for REDACTED. Worksheet still required for REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open--Missing rental income worksheet for Borrower's other REO - both properties. <br>(\* TPR calculation for REDACTED - Rental income from Sch E - REDACTED . page 24 - First mtg payment with escrow - REDACTED + REDACTED HOA from taxes = REDACTED-REDACTED-REDACTED=REDACTED/month vs. lender REDACTED/month. \*TPR using 1003 figure for REDACTED ADDRESS which is loss of REDACTED/month until verification documents are received.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-1007 rent redacted, PITIA 1838- redacted - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **881541** | Closed | FCRE7497 | 2025-05-01 10:12 | 2025-05-22 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-1007 rent 1900, PITIA 1838- resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. the property located in REDACTED was a concurrent purchase of an investment property. See attached Final CC, payment letter, and note. 1007 used for rental income. - Seller-REDACTED <br> Open-- Missing documentation to verify monthly payments for other REO at REDACTED. Loan file contains only form 1007 for the property page 378 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. the property located in REDACTED was a concurrent purchase of an investment property. See attached Final CC, payment letter, and note. 1007 used for rental income. - Seller-REDACTED  | Resolved-1007 rent REDACTED, PITIA REDACTED- resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **881541** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-PCCD and settlement statement verifying other half of taxes due paid at closing received. - Due Diligence VendorREDACTED <br> Ready for Review-Document Uploaded. Paid at close - Seller-REDACTED <br> Open-Verification other half of REDACTED taxes are paid (#8 and #9 on title). verification first half is paid on pg 202 in file. - Due Diligence VendorREDACTED | Ready for Review-Document Uploaded. Paid at close - Seller-REDACTED  | Resolved-PCCD and settlement statement verifying other half of taxes due paid at closing received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **880345** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing - Missing W2 transcripts required by guidelines for salaried borrowers - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **880345** | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **880345** | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Document Uploaded. Verification of AIN uploaded, verification of taxes paid per county uploaded. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached Final Title Policy - Seller-REDACTED <br> Open-Verification that the property taxes due prior to closing on REDACTED in the amount of REDACTED per title report are paid/ (Payment not included on final CD). - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached Final Title Policy - Seller-REDACTED  | Resolved-Document Uploaded. Verification of AIN uploaded, verification of taxes paid per county uploaded. Resolved. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **811461** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **834695** | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached CORRECT credit report. The FICO is 802, and no inquiries. <br> Thank you!! - Buyer-REDACTED <br> Open-Guidelines page 18 require If no credit was extended, borrower must state the purpose of the inquiry. However, inquiry page 558 by REDACTED was not addressed. The LOE for inquiry is missing. - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **862723** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **814349** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-Document Uploaded. FTP received - Due Diligence Vendor-REDACTED <br> Ready for Review-wouldn't the title coverage be for the loan amount? - Seller-REDACTED <br> Counter-Lenders title coverage amount not received. Document provided shows loan amount. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Lender's title coverage is missing amount from title policy - Due Diligence Vendor-REDACTED | Ready for Review-wouldn't the title coverage be for the loan amount? - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-Document Uploaded. FTP received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **814349** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Credit supplement with first mortgage received. Qualified as I/O - under 45% - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-First mortgage with Shellpoint is not reported on Credit. Full Verification of Mortgage is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Credit supplement with first mortgage received. Qualified as I/O - under 45% - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **814349** | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-CA Sec of state verification received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower Business License for the past two years is required - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-CA Sec of state verification received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **806854** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **860308** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Document Uploaded. Tax cert received, TPR verified parcel ID to subject address - Tax Cert Address Verification document in file - Due Diligence Vendor-REDACTED <br> Ready for Review-The county does not report when paid only what is due. There are no taxes due for this year and no delinquencies due per tax cert meaning they were paid previously by the 1st servicer (impounds exist on 1st TD per mortgage statement in file). Please clear based on most recent uploaded tax cert. - Seller-REDACTED <br> Counter-There is no "paid date" refelcting for the second half. Delq date shows as REDACTED . Please advise. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. see attached tax cert. 1st and 2nd half paid - Buyer-REDACTED <br> Counter-Tax Cert received. Taxes show delinquent as of REDACTED , note date was REDACTED . Verification of delinquent taxes paid is needed. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Tax cert attached - Seller-REDACTED <br> Open-Tax verification is missing - pg 565. Please provide the updated title/supplement with tax information. - Due Diligence Vendor-REDACTED | Ready for Review-The county does not report when paid only what is due. There are no taxes due for this year and no delinquencies due per tax cert meaning they were paid previously by the 1st servicer (impounds exist on 1st TD per mortgage statement in file). Please clear based on most recent uploaded tax cert. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Tax cert attached - Seller-REDACTED  | Resolved-Document Uploaded. Tax cert received, TPR verified parcel ID to subject address - Tax Cert Address Verification document in file - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **860308** C | Closed | FCRE1365 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Acknowledged-Transcripts ordered after note & disbursement date, not in file at closing. Transcripts received. Acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. 2 years transcripts uploaded - Seller-REDACTED <br> Open-Borrower 2 IRS Transcripts Missing B2 W2 transcripts missing - REDACTED & REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. 2 years transcripts uploaded - SellerREDACTED  | Acknowledged-Transcripts ordered after note & disbursement date, not in file at closing. Transcripts received. Acknowledged. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | **860308** C | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts ordered after note & disbursement date, not in file at closing. Transcripts received. Acknowledged. - Due Diligence Vendor-REDACTED <br> Resolved-Transcripts received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. 2 yrs transcripts uploaded - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing B1 W2 transcripts missing - REDACTED & REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. 2 yrs transcripts uploaded - Seller-REDACTED  | Acknowledged-Transcripts ordered after note & disbursement date, not in file at closing. Transcripts received. Acknowledged. - Due Diligence Vendor-REDACTED <br> Resolved-Transcripts received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | **860308** C | Closed | finding-3638 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. COC/LE attached - Buyer-REDACTED <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 REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED.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. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO CREDIT REPORT FEE WAS DISCLOSED ON THE INTIIAL LE. A CREDIT REPORT WAS DISCLOSED AS REDACTED ON THE FINAL CD. NO CONDO DOCS FEE WAS DISCLOSED ON THE INITIAL LE. A CONDO DOCS FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. A LENDERS TITLE INSURANCE FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE LENDERS TITLE INSURANCE FEE WAS DISCLOSED AS REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **860308** C | Closed | finding-3635 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. COC/LE for condo doc fee/updated title fees attached. - Buyer-REDACTED <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% (REDACTED) exceed the comparable charges (REDACTED) 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). NO CONDO DOCS FEE WAS DISCLOSED ON THE INITIAL LE. A CONDO DOCS FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. A LENDERS TITLE INSURANCE FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE LENDERS TITLE INSURANCE FEE WAS DISCLOSED AS REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **860308** C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. COC/LE reflecting change/redisclosure attached. - Seller-REDACTED <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 REDACTED.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). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO CREDIT REPORT FEE WAS DISCLOSED ON THE INTIIAL LE. A CREDIT REPORT WAS DISCLOSED AS REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. COC/LE reflecting change/redisclosure attached. - Seller-REDACTED  | Resolved-COC received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **898847** | Closed | FCRE1252 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Document received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. Title provided an updated tax cert reflecting the taxes were paid. They indicated the final title policy isn't ready yet.<br> Thanks! - Buyer-REDACTED <br> Counter-With the taxes being listed on title, we need to verify they were paid. Do you have the final title policy with that removed yet by chance? - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached mortgage coupon for the 1st lien. the taxes and insurance are impounded. We do not police the disbursement as a requirement of closing a 2nd when the taxes are impounded. <br> Thanks!<br> - Buyer-REDACTED <br> Open-Title Document is Incomplete TITLE- PG 515 SHOWS TAXES IN THE AMOUNT OF $3988.56 DUE REDACTED . LOAN CLOSED ON REDACTED AND TAXES WERE NOT PAID ON CD. Verification taxes paid is required. - Due Diligence Vendor-REDACTED |  | Resolved-Document received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **854860** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Verification of deed transfer received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Vesting on title is in the name of the individuals. The DOT/Mtg shows the Mortgagor as REDACTED. The uploaded title documents do not reflect a deed transfer at closing. The DOT/Mtg must match recorded vesting. - Due Diligence Vendor-REDACTED <br> Ready for Review- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue - Current Title vesting is in Individual and not LLC (Borrower) page 363 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Verification of deed transfer received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **854860** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Document received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi See attached REDACTED stmt under 60 days from note dated REDACTED thank you - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Missing mortgage statement for First lien dated within 60 days of note date - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi See attached REDACTED stmt under 60 days from note dated4/10 thank you - Seller-REDACTED  | Resolved-Document received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **854860** | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **854860** | Closed | FCOM1228 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Other Rider is Missing | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Copy of Mortgage and email from title to confirm re-record is in process - Seller-REDACTED <br> Open-Missing Business Loan Rider referenced on Deed of Trust - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Copy of Mortgage and email from title to confirm re-record is in process - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **854860** | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. 003 & 1008 Attached - Seller-REDACTED <br> Open-Missing 1008/UW Approval Document . - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. 003 & 1008 Attached - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **890178** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **810630** | Closed | FCRE1202 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached fraud report and the items added to clear.<br> Thanks! - Seller-REDACTED <br> Open-Third Party Fraud Report Partially Provided ONLY WATCH LIST WAS PROVIDED. SEE PAGE 425 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached fraud report and the items added to clear.<br> Thanks! - Seller-REDACTED  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-REDACTED <br> Resolved-Resolved - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **810630** | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-LOE received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached cash out LOE.<br> Thanks! - Buyer-REDACTED <br> Open-1. REASON FOR CASH OUT LETTER IS MISSING FROM LOAN FILE - Due Diligence Vendor-REDACTED |  | Resolved-LOE received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **810630** | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached gap credit report dated within 15 days of the note.<br> Thanks! - Buyer-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing CREDIT REPORT IS DATED REDACTED MORE THAN 30 DAYS TO NOTE DATE OF REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **810630** | Closed | FCRE5783 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached gap credit report dated within 15 days of the note.<br> Thanks! - Buyer-REDACTED <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **824966** | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Proof of property taxes paid and CPL uploaded. - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present 1. PRELIMINARY TITLE IS MISSING COVERAGE AMOUNT<br> 2. Verification taxes showing delinquent (REDACTED +REDACTED penalty) prior to note date on title are paid at/prior to closing. Taxes do not show paid on final CD. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Proof of property taxes paid and CPL uploaded. - Seller-REDACTED  | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **824966** | Closed | FCOM1266 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Please see uploaded initial disclosure package. - Seller-REDACTED <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Please see uploaded initial disclosure package. - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **824966** | Closed | FCOM1287 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Initial disclosure package uploaded which includes missing disclosure. - Seller-REDACTED <br> Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Initial disclosure package uploaded which includes missing disclosure. - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **873359** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **890676** | Closed | FVAL8946 | REDACTED | REDACTED | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal | Resolved-Investor compliance review of QM status received - Due Diligence Vendor-REDACTED <br> Counter-AVM received. Loan is a HPML, requires full appraisal and appraisal delivery prior to closing cannot be waived. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. AVM showing value REDACTED. - Seller-REDACTED <br> Open-Valuation is missing. Exterior Inspection with no value is in file. Loan is a HPML, requires full appraisal and appraisal delivery prior to closing cannot be waived. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. AVM showing value REDACTED. - Seller-REDACTED  | Resolved-Investor compliance review of QM status received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **890676** | Closed | finding-3352 | REDACTED | REDACTED | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Document Uploaded. Investor compliance review of QM status received - Due Diligence Vendor-REDACTED <br> Counter-Loan status remains NQM - HPML. Rebuttable presumption cannot be granted with the inclusion of asset depletion income. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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. THIS IS A NON QM LOAN. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Document Uploaded. Investor compliance review of QM status received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **890676** | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Reason for cash out received - Due Diligence VendorREDACTED <br> Ready for Review-Document Uploaded. LOX for reason for Refi - Seller-REDACTED <br> Counter-LOE for cash out is missing, credit explanation LOE received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-USE FOR CASH OUT LETTER IS MISSING FROM FROM FILE - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. LOX for reason for Refi - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Reason for cash out received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **890676** | Closed | FCRE3466 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Resolved-Master policy received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Master Policy Attached - Seller-REDACTED <br> Open-Condo master insurance is missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Master Policy Attached - Seller-REDACTED  | Resolved-Master policy received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **890676** | Closed | FCRE1173 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br> Resolved- - Due Diligence VendorREDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **890676** | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. 1003 & 1008 please scroll to end - Seller-REDACTED <br> Open-Missing 1008/UW Approval Document 1008 to be amended to reflect subject property is a condominium - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. 1003 & 1008 please scroll to end - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **890676** | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **890676** | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-REDACTED paid at closing on final CD - section K - due from borrower. DTI within guidelines. - Due Diligence Vendor-REDACTED <br> Open-REDACTED payment on credit report is not included by lender in DTI calculation. DTI as calculated by TPR is REDACTED% - Due Diligence VendorREDACTED |  | Resolved-REDACTED paid at closing on final CD - section K - due from borrower. DTI within guidelines. - Due Diligence Vendor-REDACTED  |  |  |  | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **817405** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Preliminary Title in file (pg 111) does not indicate amount of title insurance. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **817405** C | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **848574** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue - The Title policy is vested in REDACTED., however, Note/Deed of Trust reflects REDACTED. Loan file contains Quit claim Deed which states borrower answers both names, however, an AKA affidavit is needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **848574** C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien of REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **847456** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **896348** C | Closed | FVAL2477 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Investor confirmation that picture on PCI is acceptable received. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. HI, Please find AVM that was used for this file. Please advised of more information if this is not accepted Thanks! - Seller-REDACTED <br> Counter-THE PCI/exterior report was uploaded again. The AVM picture cannot be replaced by the Exterior Property Condition Inspection picture without an exception from the investor. A clear picture on the AVM valuation is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-The AVM picture cannot be replaced by the Exterior Property Condition Inspection picture without an exception from the investor. A clear picture on the AVM valuation is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Attached is the LOX from the UW and the clear Photo from the AVM of subject property - Seller-REDACTED <br> Open-AVM picture of collateral is blurred & unable to see collateral property. AVM must be resubmitted with clear picture of the collateral. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. HI, Please find AVM that was used for this file. Please advised of more information if this is not accepted Thanks! - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Attached is the LOX from the UW and the clear Photo from the AVM of subject property - Seller-REDACTED  | Resolved-Investor confirmation that picture on PCI is acceptable received. Resolved. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | **896348** C | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document received - mtg stmt received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement dated REDACTED exceeds 60 days from Note dated REDACTED allowed by guidelines<br> (Exception Waiver form for the AVM variance was uploaded to this condition) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Exception Waiver attached - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement dated REDACTED exceeds 60 days from Note dated REDACTED allowed by guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Exception Waiver attached - Seller-REDACTED  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document received - mtg stmt received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | **896348** C | Closed | FCRE5790 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. UDN Credit Gap covered B1 - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Gap report being REDACTED days from Note exceeds 15 days allowed by guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. UDN Credit Gap covered B1 - Seller-REDACTED  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | **896348** C | Closed | FCRE5791 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. UDN B2 credit gap covered - Seller-REDACTED <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Gap report being REDACTED days from Note exceeds 15 days allowed by guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. UDN B2 credit gap covered - Seller-REDACTED  | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | **896348** C | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received comments on 1008 page 2 with income calculations. Lender income calculation shows an average of REDACTED commission income, although commission income is currently received and was in REDACTED . TPR calculation is REDACTED W2 of REDACTED+ REDACTED W2 of REDACTED + REDACTED YTD through REDACTED of REDACTED = REDACTED/REDACTED months = REDACTED per month. Total of lender income is REDACTED/month which is more conservative, therefore, using the more conservative calculation. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Calc Worksheet attached - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Calc Worksheet attached - Seller-REDACTED  | Resolved-Received comments on 1008 page 2 with income calculations. Lender income calculation shows an average of REDACTED commission income, although commission income is currently received and was in REDACTED . TPR calculation is REDACTED W2 of REDACTED+ REDACTED W2 of REDACTED +REDACTED YTD through REDACTED of REDACTED = REDACTED/REDACTED months = REDACTED per month. Total of lender income is REDACTED/month which is more conservative, therefore, using the more conservative calculation. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | **896348** C | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. FVOE B2 attached - Seller-REDACTED <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. FVOE B2 attached - Seller-REDACTED  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | **896348** C | Closed | FVAL3525 | REDACTED | REDACTED | Waived | 2 - Non-Material C B | Property | Appraisal | Valuation product is deficient | Waived-REDACTED acceptance in file, lender exception form received. - Due Diligence Vendor-REDACTED <br> Counter-No exception form received \*\*\*1. Exception form with compensating factors signed by Underwriter is required.\*\*\*REDACTED email exception allowance is in file- pg 211 REDACTED email exception allowance is in file- pg 211 - FSD score on AVM provided is REDACTED% which therefore fails to meet guidelines limit of 90%, however, lender provided guidelines exception approval allowing the FSD score based on the following compensating factors: page 211 - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-\*\*1. Exception form with compensating factors signed by Underwriter is required.\*\*\* REDACTED email exception allowance is in file- pg 211 - FSD score on AVM provided is REDACTED% which therefore fails to meet guidelines limit of 90%, however, lender provided guidelines exception approval allowing the FSD score based on the following compensating factors: page 211 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Waived-REDACTED acceptance in file, lender exception form received. - Due Diligence Vendor-REDACTED  |  | FICO score of REDACTED<br> - REDACTED% DTI<br> - Sufficient reserves<br> - No late payments in 10 years<br> - Good credit history | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes |
| REDACTED |  | **894173** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **869715** | Closed | FCRE5783 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. hi,<br> Please see attached gap credit dated within 15 days of the note.<br> Thanks! - Buyer-REDACTED <br> Open-Borrower 2 Gap Credit Report is Missing - supplement in file pg 138 is only first mortgage - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **869715** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br> Resolved-VOM received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached updated statement along with a signed letter to confirm the late fee was paid.<br> Thanks! - Buyer-REDACTED <br> Open-First mortgage statement (pg 130) is dated REDACTED , over 60 days old from note date. First mortgage statement within 60 days of note date required. - Due Diligence Vendor-REDACTED |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br> Resolved-VOM received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **869715** | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. hi,<br> Please see attached gap credit dated within 15 days of the note.<br> Thanks! - Buyer-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing - supplement in file pg 138 is only first mortgage - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **830741** C | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated income - DTI is exactly REDACTED% - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open- Audited DTI REDACTED% vs Lender's DTI of REDACTED% - Lender applied REDACTED as mortgage insurance while mortgage statement reflects REDACTED. page 137,217 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Updated income - DTI is exactly REDACTED% - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **830741** C | Closed | FCRE1437 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Acknowledged-Updated paystub received, dated after note date. Note date REDACTED . Paystub date REDACTED . Updated income worksheet and 1008 received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Income and Employment Do Not Meet Guidelines - Age of income documentation for borrower's other employment at REDACTED exceeds 60 days from Note allowed by guidelines. Paystub last pay date is REDACTED vs Note date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Acknowledged-Updated paystub received, dated after note date. Note date REDACTED . Paystub date REDACTED . Updated income worksheet and 1008 received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | **830741** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Updated commitment received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-PTC (pg 207) Schedule B-1, #5 indicates the 1st DOT is required to be satisfied, released, or subordinated. Subject lien is a 2nd DOT and 1st lien is not being paid off. Corrected title required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Updated commitment received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **898227** | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br> Resolved-Mtg statement dated REDACTED received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED mtg stmt - Seller-REDACTED <br> Counter-Mortgage Statement uploaded is dated REDACTED . Mortgage Statement for subject property first lien dated within 60 days of closing is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Another one due REDACTED - Seller-REDACTED <br> Ready for Review-Document Uploaded. Mortgage pymt due REDACTED - Seller-REDACTED <br> Open-Mortgage statement in file is dated REDACTED . FIrst mortgage statement within 60 days of note date is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED mtg stmt - Seller-REDACTED <br> Ready for Review-Document Uploaded. Another one due REDACTED - Seller-REDACTED <br> Ready for Review-Document Uploaded. Mortgage pymt due REDACTED - Seller-REDACTED  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br> Resolved-Mtg statement dated REDACTED received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **898227** | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. updated bk stmt and ICW showing 12 mos - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Bank statement income is not verified within 60 days of note date. February stmt in file ends REDACTED . Note date is REDACTED . Updated bank statements and income calculation worksheet required. - REDACTED <br>Ready for Review-Document Uploaded. updated bk stmt and ICW showing 12 mos - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **898227** | Closed | FCRE1168 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-RCE received, Insurance Coverage adequate - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. RCE - Seller-REDACTED <br> Counter-Insurance coverage must be sufficient to cover all outstanding liens on the property or the Replacement Cost Value. 1st Mtg balance REDACTED + new 2nd lien REDACTED = REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hello, Im not sure where I am missing how you come up with it --- the HOI uploaded has full dwelling coverage of REDACTED. Total loan amt is REDACTED. Please advise - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $1ST MORTGAGE + NEW SECOND REDACTED=REDACTED. INSURANCE COVERAGE IS REDACTED+REDACTED=REDACTED NO RCE provided in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. RCE - Seller-REDACTED <br> Ready for Review-Document Uploaded. Hello, Im not sure where I am missing how you come up with it --- the HOI uploaded has full dwelling coverage of REDACTED. Total loan amt is REDACTED. Please advise - Seller-REDACTED  | Resolved-RCE received, Insurance Coverage adequate - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **898227** | Closed | FCRE8946 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation expiration dates | Resolved-Updated income calculation worksheet and bank statements for REDACTED & REDACTED received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. also updated bk stmts - Seller-REDACTED <br> Ready for Review-Document Uploaded. updated ICW - Seller-REDACTED <br> Open-Bank statement income is not verified within 60 days of note date. February stmt in file ends REDACTED . Note date is REDACTED . Updated bank statements and income calculation worksheet required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. also updated bk stmts - Seller-REDACTED <br> Ready for Review-Document Uploaded. updated ICW - Seller-REDACTED  | Resolved-Updated income calculation worksheet and bank statements for REDACTED & REDACTED received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **898227** | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-1008/Approval received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. updated 1008 - Seller-REDACTED <br> Open-Missing 1008/UW Approval Document Updated 1008 with recalculated income required - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. updated 1008 - Seller-REDACTED  | Resolved-1008/Approval received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **898227** | Closed | FCOM6472 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Note data | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-There is one borrower submitted on this loan. The note has an additional person that has signed as a borrower - REDACTED as borrower. Lender to advise. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **898227** | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Document received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. final title policy - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present Lender's coverage is missing from preliminary title. Verification of lenders coverage required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. final title policy - Seller-REDACTED  | Resolved-Document received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **860285** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **819861** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **849902** | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. pre close VVOE uploaded - Buyer-REDACTED <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **849902** | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Corrective WVOE uploaded - Buyer-REDACTED <br> Open-Borrower 2 WVOE signed date does not include 'Year'. It reflects it was signed on REDACTED page 380 - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **849902** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final title policy received - all items resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. corrective policy attached. - Seller-REDACTED <br> Open-Property Title Issue 1. Preliminary Title in file (pg 330) shows policy amount as REDACTED. Policy must be at least REDACTED. 2. Schedule B #10 (pg 335) states the property is not part of a Planned Unit Development. Per appraisal (pg 635) and Deed of Trust/PUD Rider (pg 39) the property is in a PUD. Please confirm and have documents corrected. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. corrective policy attached. - Seller-REDACTED  | Resolved-Final title policy received - all items resolved. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **849902** | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Document received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. B2 income calc attached - Buyer-REDACTED <br> Open-Missing income worksheet for Borrower 2 - Due Diligence Vendor-REDACTED |  | Resolved-Document received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841110** | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD with updated disbursement date received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Final CD uploaded, final disbursement date was REDACTED - Seller-REDACTED <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, Note and Deed are dated REDACTED with a date of disbursement of REDACTED . the borrower signed closing documents on REDACTED . THE NOTICE OF THE RIGHT TO CANCEL DATES WERE CHANGED AND INITIALZED BY THE BORROWER AND REFLECTED THE DATE OFREDACTED AS THE LAST DAY TO CANCEL. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Final CD uploaded, final disbursement date was REDACTED - Seller-REDACTED  | Resolved-PCCD with updated disbursement date received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841110** | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Right to receive disclosure and proof of appraisal delivery uploaded - Seller-REDACTED <br> Open-proof of delivery of appraisal and Right to receive copy of appraisal are missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Right to receive disclosure and proof of appraisal delivery uploaded - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841110** | Closed | FCOM1287 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Resolved - pg 48/77 - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. HOC disclosure uploaded - Buyer-REDACTED <br> Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Resolved - pg 48/77 - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841110** | Closed | FCRE1350 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Personal Tax Returns Missing | Resolved-Borrower 2 Personal Tax Returns Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Tax returns uploaded - Buyer-REDACTED <br> Open-Borrower 2 Personal Tax Returns Missing missing REDACTED 1040s, with all schedules and all income used to qualify is required. REDACTED 1040 extension is provided on page 861 - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 Personal Tax Returns Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841110** | Closed | FCRE1356 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 YTD Profit & Loss Missing | Resolved-Borrower 2 YTD Profit & Loss Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. YTD and REDACTED P&Ls uploaded - Seller-REDACTED <br> Open-Borrower 2 YTD Profit & Loss Missing REDACTED and REDACTED ytd P&L are missing. ONLY THE P&L WORKSHEET WAS PROVIDED-SEE PG 6. income used to qualify is from REDACTED P&L - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. YTD and REDACTED P&Ls uploaded - Seller-REDACTED  | Resolved-Borrower 2 YTD Profit & Loss Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841110** | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-P&Ls and tax returns uploaded - Buyer-REDACTED <br> Open-income has not been validated. Per income worksheet see page 4 and 5 . REDACTED P&L was used to qualify and is not in loan file. Worksheet is on page 6. - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841110** | Closed | FVAL8946 | REDACTED | REDACTED | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal | Resolved-1004 received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Appraisal attached - Buyer-REDACTED <br> Open-1004 appraisal is required and missing from file, only short form desk review was provided-see page 1053 - Due Diligence Vendor-REDACTED |  | Resolved-1004 received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841110** | Closed | FCOM1266 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. HC disc uploaded - Buyer-REDACTED <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841110** | Closed | FCOM1231 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Initial 1003 attached - Buyer-REDACTED <br> Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **841110** | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED <br> Ready for Review-B1 is REDACTED no ownership, no income used to qualify for B1, please clear. - Seller-REDACTED <br> Open-final 1003 on page 92 shows B1 as self employed. B2 is 100% owner of REDACTED. 1003 to be amended to match B2 Income used. to qualify - Due Diligence Vendor-REDACTED | Ready for Review-B1 is REDACTED no ownership, no income used to qualify for B1, please clear. - Seller-REDACTED  | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **850389** C | Closed | FCRE5791 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Acknowledged-Doc Received. Gap Credit pulled after Note date - Acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). B2 Gap Credit report is greater than 15 days from Note Date. Gap report is dated REDACTED and Note Date is REDACTED . - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Acknowledged-Doc Received. Gap Credit pulled after Note date - Acknowledged. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | **850389** C | Closed | FCRE5790 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Acknowledged-Gap Credit received - date pulled is after Note date - Acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). B1 Gap Credit report is greater than 15 days from Note Date. Gap report is dated REDACTED and Note Date is REDACTED . - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Acknowledged-Gap Credit received - date pulled is after Note date - Acknowledged. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | **881601** | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Evidence of Property Tax There is no Tax Cert in the file and the tax information is not provided on the Title. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **881601** | Closed | FCRE8201 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-DSCR is REDACTED with verified hazard insurance. - Due Diligence Vendor-REDACTED <br> Open-DSCR is under REDACTED with verified property taxes. Ineligible per guidelines. - Due Diligence Vendor-REDACTED |  | Resolved-DSCR is 1.00 with verified hazard insurance. - Due Diligence Vendor-REDACTED  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **881601** | Closed | FCRE1157 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Hazard Insurance Policy There is no HOI Policy in the file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **881601** | Closed | FCRE1161 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Flood Certificate There is no Flood Cert in the file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **856846** C | Closed | FCRE1166 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Acknowledged- - Due Diligence Vendor-REDACTED <br> Resolved-RCE received. RCE calculation date is REDACTED , after the note date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Hazard Insurance Coverage Amount of REDACTED is less than Total Amount of Subject Lien(s) of REDACTED Coverage A is less than total of all liens. Coverage A is REDACTED (Coverage A +10% state/ordinance + option ID - extra coverage A,). Total of all liens is REDACTED. RCE in file was calculated in REDACTED and cannot be used - older than 12 months old. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-RCE received. RCE calculation date is REDACTED , after the note date. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | **856846** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-Final title reflecting updated vesting received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title (pg 249) shows property is vested to B1 & REDACTED, wife. CPL indicates REDACTED is vested as wife. Verification of deed transfer not in file. Updated title report needed to confirm vesting. <br>- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-Final title reflecting updated vesting received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **856846** C | Closed | FCOM4001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver as required. The Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver is missing from the file during review. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **839874** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **824555** C | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> This borrower signed on REDACTED . The loan disbursed on REDACTED , which is the soonest funding date. the 3rd business date after signing is REDACTED , and the right to cancel expired at midnight on REDACTED . Everything is correct, please clear.<br> Thanks! - Buyer-REDACTED <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 DATE OF DISBURSEMENT FOR THE HUD AND FINAL CD IS REDACTED . THE NOTICE OF THE RIGHT TO CANCEL LAST DAY TO CANCEL IS DISCLOSED AS REDACTED . - Due Diligence Vendor-REDACTED |  | Resolved-Resolved - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **824555** C | Closed | FCRE1328 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Acknowledged-Exception doc received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> We granted an exception for this. Please see attached.<br> Thanks again! - Buyer-REDACTED <br> Open-Note date is REDACTED . W2 and W2 transcripts for REDACTED are required. - Due Diligence Vendor-REDACTED |  | Acknowledged-Exception doc received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| REDACTED |  | **824555** C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Sorry about that!! Please see attached note for 1st lien.<br> Thanks again! - Buyer-REDACTED <br> Counter-CD for First Mortgage received. Note uploaded is for subject lien. Please upload the executed note for the new first mortgage. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached copy of final CD and note for the 1st loan. <br> Thanks! - Buyer-REDACTED <br> Open-Final executed CD and executed Note for new 1st mortgage are required. - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **885247** | Closed | FCOM8972 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-The Deed of Trust (pg 270) indicates there is a Business Loan Rider. The Business Loan Rider was not located in the file. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-THE DEED DISCLOSES A BUSINESS LOAN RIDER. NO BUSINESS LOAN RIDER WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **885247** | Closed | FCRE4866 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Original CLTV does not meet eligibility requirement(s) | Resolved-Docs received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. W2s and pay stub attached - Seller-REDACTED <br> Counter-Good Morning. Per the REDACTED (REDACTED), for a Non Owner Occupied property using WVOE only, the Max CLTV is 75%. The only income documentation in the file was the WVOE. If this file was intended to be a full doc review, W2s and Paystubs are required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Hi Can you please pinpoint where it says that a full doc CES CLTV is 75%, Could you email me the Guideline your seeing? Our lock desk would not have been able to lock the loan. Are you reading the file as full doc? The UW is asking if you are seeing it is a full doc loan since you wrote VOE only. They want additional income documentation? Need to find out what is needed? Thanks & Please ASAP! Thank you !!!<br>- Seller-REDACTED <br> Open-Per the guidelines, datedREDACTED , indicates that for Non Owner Occupied, WVOE borrowers with a REDACTED min credit score, the max CLTV is 75%. The only income supporting documents in the file is a WVOE on page 168. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. W2s and pay stub attached - Seller-REDACTED <br> Ready for Review-Hi Can you please pinpoint where it says that a full doc CES CLTV is 75%, Could you email me the Guideline your seeing? Our lock desk would not have been able to lock the loan. Are you reading the file as full doc? The UW is asking if you are seeing it is a full doc loan since you wrote VOE only. They want additional income documentation? Need to find out what is needed? Thanks & Please ASAP! Thank you !!!<br>- Seller-REDACTED  | Resolved-Docs received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **885247** | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-VVOE received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br> Resolved-VVOE received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **885247** | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Document received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Document received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **851599** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title policy with coverage amount received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title commitment (pg 106) does not show coverage amount. Updated title docs required showing amount of coverage. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Title policy with coverage amount received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **851599** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Doc type submitted incorrectly, updated to WVOE. - Due Diligence Vendor-REDACTED <br> Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Per guidelines, IRS Transcripts are not required. Doc Type is WVOE. - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing - Missing W2 transcripts required by guidelines for salaried borrowers - Due Diligence Vendor-REDACTED | Ready for Review-Per guidelines, IRS Transcripts are not required. Doc Type is WVOE. - Seller-REDACTED  | Resolved-Doc type submitted incorrectly, updated to WVOE. - Due Diligence Vendor-REDACTED <br> Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **851599** | Closed | FCRE1334 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Doc type submitted incorrectly, updated to WVOE. - Due Diligence Vendor-REDACTED <br> Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Per guidelines, IRS Form 4506-C signed by the borrower is not required. Doc Type is WVOE - Seller-REDACTED <br> Open-Borrower 1 Executed 4506-T Missing - - Due Diligence Vendor-REDACTED | Ready for Review-Per guidelines, IRS Form 4506-C signed by the borrower is not required. Doc Type is WVOE - Seller-REDACTED  | Resolved-Doc type submitted incorrectly, updated to WVOE. - Due Diligence Vendor-REDACTED <br> Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **851599** | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **851599** | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **857052** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **850608** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-FTP received with coverage amount - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue PTC does not include the amount of coverage. Updated commitment/title doc required, including amount of coverage. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-FTP received with coverage amount - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **850608** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Resolved-W2 transcripts received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing Guidelines page 23 require W2 transcripts. However, no W2 transcripts were located during review. The W2 transcripts are missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br> Resolved-W2 transcripts received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **889817** | Closed | FCRE1358 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br> Resolved-REDACTED W2 & income worksheet received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 2 W2/1099 Missing Guidelines page 22 require W-2s for most recent 1 or 2-years. However, no W-2s for most recent 1 or 2-years were located in the file during review. Approval page 2 reflects Full Documentation as Doc Type. The W-2s for most recent 1 or 2-years are missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br> Resolved-REDACTED W2 & income worksheet received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **889817** | Closed | FCRE1764 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Subject property first mortgage statement is dated more than 60 days prior to note date. Updated statement dated within 60 days is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **829391** | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Documentation received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached Rental Income Cal with updated 1008/final 1003. - Seller-REDACTED <br> Counter-Rental property documents received, lenders income calculation worksheet for rental property is missing and still needed. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter- - Due Diligence Vendor-REDACTED <br> Ready for Review-Income Calculation Worksheet received. Rental Calculation worksheet is still required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Income Calculation Worksheet and Rental Calculation Worksheet are missing from the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached Rental Income Cal with updated 1008/final 1003. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Documentation received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **829391** | Closed | FCRE9000 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Mortgage Statement | Resolved-Docs received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing first mortgage statement dated within 60 days of note date. Please provide final signed CD and copy of note for new mortgage on Primary Residence. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Docs received. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **829391** | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED  | Resolved-Received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **838568** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **856155** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **817541** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **877543** C | Closed | FCOM4227 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. This is the initial CD. It was dated REDACTED and signed REDACTED . The final CD was prepared same day but signed within compliance. <br> Thanks! - Buyer-REDACTED <br> Open-MISSING THE INITIAL CD. REDACTED (PAGE 486) SHOWS AN INITIAL CD DATE OF REDACTED (ON PAGE 490) AND SHOWS AN INITIAL CD DATE OF REDACTED (ON PAGE 491). THE FINAL CD IN THE FILE IS DATEDREDACTED AND IS SIGNED BY THE BORROWERS ON REDACTED . CLOSING DOCUMENTS WERE SIGNED ON REDACTED . THE CD PROVIDED FOR THE BORROWER TO SIGN AT CLOSING IS IN THE FILE AND DATED REDACTED . - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **877543** C | Closed | FCOM1266 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Buyer-REDACTED <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Resolved - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **877543** C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> We only require the proposed loan amount to equal the current loan amount. The proposed loan amount does not need to cover both the existing 1st lien, and the new 2nd lien. It only needs to cover the new 2nd lien. Please clear.<br> Thanks! - Buyer-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **877543** C | Closed | FCOM1477 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached rate lock.<br> Thanks! - Buyer-REDACTED <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **850780** | Closed | FCRE1441 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Delinquent Credit History Does Not Meet Guideline Requirements - Credit report reflects mortgage late of 1\*30 in REDACTED on one of borrowers' mortgages, however, lender provided exception guidelines (page 2) to allow the delinquency based on the following compensating factors: - Due Diligence Vendor-REDACTED |  | Waived-Delinquent Credit History Does Not Meet Guideline Requirements - Credit report reflects mortgage late of 1\*30 in REDACTED on one of borrowers' mortgages, however, lender provided exception guidelines (page 2) to allow the delinquency based on the following compensating factors: - Due Diligence Vendor-REDACTED  |  | LTV is REDACTED% vs max of 75%<br> No other late payments recorded on credit report since REDACTED |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | **816442** C | Closed | FCOM1221 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see page 12 of the attached title. Title was updated to match the DOT for REDACTED REDACTED.<br> Thanks! - Buyer-REDACTED <br> Open-Vesting on title is REDACTED REDACTED. DOT is REDACTED REDACTED with no AKA. (There is a name affidavit in file noted - page 833, however vesting on DOT is incorrect.) - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **816442** C | Closed | FCRE8946 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation expiration dates | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> I'm showing exactly 60 days. Can you please clear? Please see attached. <br> Thanks! - Buyer-REDACTED <br> Open-Bank statement income is more than 60 days from note date - last stmt date is REDACTED , note date REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **818847** | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-AKA affidavit on page 459 - resolved - Due Diligence Vendor-REDACTED <br> Open-The Final 1003 is Incomplete - Final 1003 reflects Borrower 1 name as REDACTED REDACTED vs Note as REDACTED REDACTED page 600,496 - Due Diligence Vendor-REDACTED |  | Resolved-AKA affidavit on page 459 - resolved - Due Diligence Vendor-REDACTED  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **818847** | Closed | FCRE5783 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Investor confirmation gap is not required received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached from underwriting manager. Although it doesn't state specifically in our 2nd lien guideline, we do not require a gap credit report on a DSCR loan. you can revert to the 1st lien guideline for that.<br> Thaks! - Buyer-REDACTED <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Investor confirmation gap is not required received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **818847** | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Investor confirmation gap is not required received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached from underwriting manager. Although it doesn't state specifically in our 2nd lien guideline, we do not require a gap credit report on a DSCR loan. you can revert to the 1st lien guideline for that.<br> Thaks! - Buyer-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Investor confirmation gap is not required received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **818847** | Closed | FCRE1441 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Delinquent Credit History Does Not Meet Guideline Requirements - Credit report reflects mortgage late of 1\*30 in 0REDACTED on one of borrowers' mortgages, however, lender provided exception guidelines (page 2) to allow the delinquency based on the following compensating factors: - Due Diligence Vendor-REDACTED |  | Waived-Delinquent Credit History Does Not Meet Guideline Requirements - Credit report reflects mortgage late of 1\*30 in REDACTED on one of borrowers' mortgages, however, lender provided exception guidelines (page 2) to allow the delinquency based on the following compensating factors: - Due Diligence Vendor-REDACTED  |  | LTV is REDACTED% vs max of 75%<br> No other late payments recorded on credit report since REDACTED |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | **868065** | Closed | FCRE1441 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Delinquent Credit History Does Not Meet Guideline Requirements - Credit report reflects mortgage late of 1\*30 in REDACTED on one of borrowers' mortgages, however, lender provided exception guidelines (page 2) to allow the delinquency &professional investor reduced documentation based on the following compensating factors: - Due Diligence Vendor-REDACTED |  | Waived-Delinquent Credit History Does Not Meet Guideline Requirements - Credit report reflects mortgage late of 1\*30 in REDACTED on one of borrowers' mortgages, however, lender provided exception guidelines (page 2) to allow the delinquency &professional investor reduced documentation based on the following compensating factors: - Due Diligence Vendor-REDACTED  |  | LTV is REDACTED% vs max of 75%<br> No other late payments recorded on credit report since REDACTED |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | **866313** C | Closed | FCRE1441 | REDACTED | REDACTED | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Exception on page 2 to allow professional investor documentation with one mortgage late in REDACTED - Due Diligence Vendor-REDACTED<br> Open-Delinquent Credit History Does Not Meet Guideline Requirements - Credit report reflects mortgage late of 1\*30 in REDACTED on one of borrowers' mortgages, however, lender provided exception guidelines (page 2) to allow the delinquency based on the following compensating factors: - Due Diligence Vendor-REDACTED |  | Waived-Exception on page 2 to allow professional investor documentation with one mortgage late in REDACTED - Due Diligence Vendor-REDACTED |  | LTV is REDACTED% vs max of 75%<br> No other late payments recorded on credit report since REDACTED |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | **837365** | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Verifiation received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-- Missing supporting documentation to verify monthly pay of REDACTED for new purchase of other REO at 1 per Final 1003 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Verifiation received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **837365** | Closed | FCRE0360 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Acknowledged-First mortgage statement on subject property received post note date/disbursement date. Note date is REDACTED vs statement date received of REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement dated REDACTED exceeds 60 days from Note REDACTED per guidelines page 209 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Acknowledged-First mortgage statement on subject property received post note date/disbursement date. Note date is REDACTED vs statement date received of REDACTED. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | **837365** | Closed | FCRE5047 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Document received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Title Supp w REDACTED - Seller-REDACTED<br> Open- - Due Diligence Vendor-REDACTED | Title policy does not list the amount of lenders title coverage - REDACTED<br>Ready for Review-Document Uploaded. Title Supp w REDACTED - Seller-REDACTED | Resolved-Document received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **837365** | Closed | FCRE4963 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Document received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Verification of taxes showing delinquent on title are paid at/before closing - due REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Document received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **837365** | Closed | FCOM2777 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Initial Good Faith Estimate | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Initial GFE (Good Faith Estimate) is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **828421** | Closed | FCRE1764 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. current mtg statement - Seller-REDACTED <br> Counter-A credit supplement is received, however a credit supplement cannot be accepted in place of the first mortgage statement. Mortgage Statement in file (pg 479) is dated more than 60 days prior to note date. Updated mortgage statement dated within 60 days of note date is required. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. credit supplement dated 4/3 - Seller-REDACTED<br> Open-Mortgage Statement in file (pg 479) is dated more than 60 days prior to note date. Updated mortgage statement dated within 60 days of note date is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. current mtg statement - Seller-REDACTED<br> Ready for Review-Document Uploaded. credit supplement dated 4/3 - Seller-REDACTED | Resolved-Mortgage statement received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **816671** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **845404** | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Final 1003 received with property information is not signed - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-The Final 1003 is Incomplete - Missing property ownership information in Section 3 of the Final 1003 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **845404** | Closed | FCOM1477 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED |  |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **821210** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | **876592** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **896866** C | Closed | FCOM4001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver | Resolved-Appraisal delivery received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Proof of appraisal delivery attached. - Buyer-REDACTED<br> Open-Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver is required. However, no Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver was located in the file during review. The Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver is missing. - Due Diligence Vendor-REDACTED |  | Resolved-Appraisal delivery received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **896866** C | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED<br> Ready for Review-Document Uploaded. VOE attached - Buyer-REDACTED<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing A verbal VOE from each employer within 10 days of the note dated REDACTED page 22 for wage and salaried employees. However, no verbal VOR was located in the file during review. The required verbal VOE is missing for Borrower 1<br> - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **896866** C | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. VOE attached - Buyer-REDACTED<br> Open-Borrower 2 3rd Party VOE Prior to Close Missing A verbal VOE from each employer within 10 days of the note dated REDACTED page 22 for wage and salaried employees. However, no verbal VOR was located in the file during review. The required verbal VOE is missing for Borrower 2<br> - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **889735** | Closed | FCOM1477 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached rate lock.<br> Thanks! - Buyer-REDACTED<br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **858849** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-FTP with coverage amount received. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Property Title Issue Lenders Coverage Amount is missing from title policy - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-FTP with coverage amount received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **858849** | Closed | FCOM1232 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-The Final 1003 is Missing THERE WAS NO EVIDENCE OF THE FINAL 1003 IN THE LOAN FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **858849** | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED<br> Resolved-Document Uploaded. Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing Evidence of Property Tax TITLE COMMITMENT STATES TAX INFORMATION TO FOLLOW. DOCUMENTATION IS NOT IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED<br> Resolved-Document Uploaded. Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **863139** | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-LOE & CPA Verification received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Most recent two years of business license not in file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - SellerREDACTED | Resolved-LOE & CPA Verification received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **863139** | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Lenders title insurance coverage amount is not shown on preliminary title - pg 98 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **863139** | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **848045** | Closed | FCOM1266 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Attached - Buyer-REDACTED<br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **848045** | Closed | FCOM1287 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Attached - Buyer-REDACTED<br> Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence VendorREDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **848045** | Closed | FCOM1231 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. initial 1003 uploaded - Buyer-REDACTED<br> Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **808482** C | Closed | finding-3968 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | ComplianceEase | Nonrefundable Prepaid Finance Charge Test | Resolved-Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached detailed LOE from seller.<br> Thanks! - Buyer-REDACTED<br> Counter-Verification of the bona fide status of the .REDACTED% discount points that the lender shows as bona fide on their Mavent is needed. Thanks! - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached final mavent report from seller. They are indicating on pages 11 and 12 that they are passing by 84 cents. <br> Thanks! - Buyer-REDACTED<br> Open-This loan failed the nonrefundable prepaid finance charge test. (REDACTED. Code § 24-4.5-3-201(9))The loan's nonrefundable prepaid finance charge exceeds 2% of the note amount or line of credit. - Due Diligence Vendor-REDACTED |  | Resolved-Resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| REDACTED |  | **852095** | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 Gap Credit Report is Missing credit report is datedREDACTED Note date is REDACTED. 31 days therefore Gap credit report is needed. The supplement on page 89 is to verify the 1st mortgage and one account being pd at close - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **844562** C | Closed | FCOM7741 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Contact Information (page 5) is incomplete | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached response from the seller. <br> Thanks! - Buyer-REDACTED<br> Open-Non-borrowing Title holder did not sign the Final CD. - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **844562** C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached response from the seller. <br> Thanks! - Buyer-REDACTED<br> Open-Vesting on title commitment (B1 only) does not match vesting on DOT (B1 + non-borrowing spouse title holder). Documentation required to verify correct vesting. - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **836831** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| REDACTED |  | **808352** | Closed | FCRE5116 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-First mortgage statement received - dated after note/disb date. Mtg stmt dated REDACTED. Acknowleged. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Counter-Credit supplement received, but cannot be used in place of the first mortgage statement as required per guidelines. Any exceptions/waivers must be approved by REDACTED and submitted to TPR with REDACTED approval and a completes, signed exception form with compensating factors from the lender. \*FIrst mortgage statement dated within 60 days of note date required. Stmt in file is dated REDACTED. Note date is REDACTED. - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. The credit supplement shows April being paid. along with comment showing last payment received REDACTED. no lates in the last 12 months. Please help waive this condition. - Seller-REDACTED<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. FIrst mortgage statement dated within 60 days of note date required. Stmt in file is dated REDACTED. Note date is REDACTED. - Due Diligence Vendor-REDACTED | Escrow Analysis received. Actual monthly first mortgage statment is needed. - REDACTED<br>Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Ready for Review-Document Uploaded. The credit supplement shows REDACTED being paid. along with comment showing last payment received REDACTED. no lates in the last 12 months. Please help waive this condition. - Seller-REDACTED | Acknowledged-First mortgage statement received - dated after note/disb date. Mtg stmt dated REDACTED. Acknowleged. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | **808352** | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Verification of lenders coverage amount is missing from preliminary title commitment. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Property Title Issue Resolved - Due Diligence VendorREDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **808352** | Closed | FCRE4963 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Verification paid prior to note date received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Taxes have been paid, see attached tax lookup. - Seller-REDACTED<br> Open-Verification of past due taxes required. Title commitment shows taxes for REDACTED past due and delinquent after REDACTED in the amount of REDACTED (pg 103). Final CD does not show taxes paid at closing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Taxes have been paid, see attached tax lookup. - REDACTED | Resolved-Verification paid prior to note date received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **808352** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 1 IRS Transcripts Missing - Missing W2 Tax transcripts for REDACTED & REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **808352** | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence VendorREDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **849847** | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br> Resolved- - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see attached REDACTED transcripts. <br> Thanks! - Buyer-REDACTED <br> Open-W2 Transcripts for REDACTED required. REDACTED & REDACTED are in file. REDACTED & REDACTED W2s are in file. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | **838232** | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Borrower 2 3rd Party VOE Prior to Close Missing B2 VVOE missing - There is no date on the VVOE on pg 206. VOI on page 218 is more than 10 days from note date. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| REDACTED |  | **838232** | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br> Resolved-Report received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence VendorREDACTED<br> Resolved-Report received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| REDACTED |  | **873543** |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | **815201** | Closed | FCOM8804 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. AKA Affidavit in file shows a name variation as REDACTED. HE which is the same as REDACTED - Seller-REDACTED<br> Open-AKA Affidavit required to verify Borrower 1 first name on Title policy captured as REDACTED versus REDACTED on Note. page 170,106. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. AKA Affidavit in file shows a name variation as REDACTED. HE which is the same as REDACTED. REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **815201** | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received - Due Diligence VendorREDACTED<br> Ready for Review-Document Uploaded. The $ REDACTED is for Insurance and Property Taxes. <br> See attached <br> Property Tax Seach - $ REDACTED yearly / 12 = $ REDACTED<br> Insurance - $ REDACTED yearly / 12 = $ REDACTED<br> REDACTED + REDACTED = $ REDACTED - Seller-REDACTED<br> Open-- Missing documentation to verify monthly property tax amount of $1,146.76 per Final 1003 for borrower's primary residence at REDACTED p28 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The $ REDACTED is for Insurance and Property Taxes. <br> See attached <br> Property Tax Seach - REDACTED yearly / REDACTED = $ REDACTED<br> Insurance - REDACTED yearly / 12 = $ REDACTED<br> REDACTED + REDACTED = $ REDACTED - SellerREDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **815201** | Closed | FCRE1339 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Please help waive this condition. No bank statements required. <br> WVOE from REDACTED is an acceptable vendor. <br> Please see attached guideline. - Seller-REDACTED<br> Open-Borrower 1 Personal Bank Statements Missing 2 months personal bank statements required for WVOE income verification type. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please help waive this condition. No bank statements required. <br> WVOE from REDACTED is an acceptable vendor. <br> Please see attached guideline. - REDACTED | Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **815201** | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED<br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title policy is missing policy amount page 105 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - REDACTED | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED<br> Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | **815201** | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - SellerREDACTED<br> Open-Required Affiliated Business Disclosure Missing - Due Diligence VendorREDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Original Loan Amount** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** |
| REDACTED |  | **816724** | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | **846854** | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | **841259** | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | **847345** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **826619** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **812697** | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | **865795** | REDACTED | C | C | C A | A | A | A |
| REDACTED |  | **865649** | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | **838585** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **888685** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **863922** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **814046** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **813398** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **820015** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **868737** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **851788** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **803305** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **834888** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **870093** | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | **862773** | REDACTED B | A | A | A C | A | A | A |
| REDACTED |  | **846320** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **827394** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **884591** | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | **824403** | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | **872722** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **812566** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **844439** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **830500** | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | **896851** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **883087** | REDACTED | C | C | C D A | A | A | A |
| REDACTED |  | **809848** | REDACTED | A | A | A C B | A | A | A B |
| REDACTED |  | **815795** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **847698** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **843601** | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | **835784** | REDACTED | D | D | D B A | B | B | B |
| REDACTED |  | **864016** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **889388** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **830562** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **874829** | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | **851378** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **865350** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **892475** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **880086** | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | **814798** | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | **864388** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **815465** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **830186** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **875694** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **890487** | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | **847146** | REDACTED | N/A B | N/A | N/A C D | N/A B | N/A | N/A C B |
| REDACTED |  | **894204** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **850954** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **877572** | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | **840466** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **815591** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **821745** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **818588** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **899466** | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | **892947** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **876546** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **872191** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **878314** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **803356** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **861148** | REDACTED B | A | A | A B | A | A | A B |
| REDACTED |  | **823509** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **817612** | REDACTED | A | A | A C | A | A | A |
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| REDACTED |  | **832627** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **818408** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **848217** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **875831** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **865617** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **841296** | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | **836240** | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | **801548** | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
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| REDACTED |  | **859075** | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | **829784** | REDACTED | A | A | A D | A | A | A |
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| REDACTED |  | **840352** | REDACTED | A | A | A D | A | A | A |
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| REDACTED |  | **869440** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **816697** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **812221** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **873283** | REDACTED | D | D | D B A | A | A | A B |
| REDACTED |  | **829423** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **885761** | REDACTED | C | C | C D A | A | A | A |
| REDACTED |  | **824119** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **822960** | REDACTED | C | C | C A | A | A | A |
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| REDACTED |  | **816863** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
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| REDACTED |  | **882755** | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | **804845** | REDACTED | A | A | A | A | A | A |
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| REDACTED |  | **833853** | REDACTED | A | A | A D | A | A | A |
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| REDACTED |  | **899010** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **890620** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **821864** | REDACTED | A | A | A C B | A | A | A B |
| REDACTED |  | **827201** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **889194** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **869799** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **816023** | REDACTED | A | A | A C | A | A | A |
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| REDACTED |  | **811968** | REDACTED | A | A | A D | A | A | A |
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| REDACTED |  | **809924** | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | **866157** | REDACTED | N/A C | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | **878471** | REDACTED B | A | A | A D | A | A | A |
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| REDACTED |  | **883664** | REDACTED | A | A | A | A | A | A |
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| REDACTED |  | **894935** | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | **816564** | REDACTED | N/A D | N/A | N/A D | N/A | N/A | N/A C |
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| REDACTED |  | **817405** | REDACTED | A | A | A D | A | A | A |
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| REDACTED |  | **896348** | REDACTED | N/A C | N/A | N/A C D | N/A B | N/A | N/A C B |
| REDACTED |  | **894173** | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | **869715** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **830741** | REDACTED | N/A | N/A | N/A C B | N/A | N/A | N/A C B |
| REDACTED |  | **898227** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **860285** | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
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| REDACTED |  | **841110** | REDACTED | D | D | D A | A | A | A |
| REDACTED |  | **850389** | REDACTED | A | A | A C B | A | A | A B |
| REDACTED |  | **881601** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **856846** | REDACTED | A | A | A C B | A | A | A B |
| REDACTED |  | **839874** | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | **824555** | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | **885247** | REDACTED | A | A | A D | A | A | A |
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| REDACTED |  | **857052** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **850608** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **889817** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **829391** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **838568** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **856155** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **817541** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **877543** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **850780** | REDACTED B | N/A | N/A | N/A C B | N/A | N/A | N/A C B |
| REDACTED |  | **816442** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **818847** | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | **868065** | REDACTED B | A | A | A B | A | A | A B |
| REDACTED |  | **866313** | REDACTED | N/A | N/A | N/A C B | N/A | N/A | N/A C B |
| REDACTED |  | **837365** | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | **828421** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **816671** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **845404** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **821210** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **876592** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **896866** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **889735** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **858849** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **863139** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **848045** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **808482** | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | **852095** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **844562** | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | **836831** | REDACTED | A | A | A | A | A | A |
| REDACTED |  | **808352** | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | **849847** | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | **838232** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | **873543** | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | **815201** | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| REDACTED |  | **816724** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/03/2024 | 09.03.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 281 | 11/25/2024 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.304% |  | 12.250% | 12.250% | $733.53 | No | REDACTED | REDACTED | $5524.32 | $460.36 | $907.56 | $75.63 | $1831.90 | $3916.44 |  | N/A | REDACTED | REDACTED | $75.63 | 02/01/2025 | Monthly | 49.29% | 49.29% | 49.29% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | Yes | 3 | No | Yes | Yes | 3 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | Yes | 1 | 24 | Work Number | No | 0 | 0 |  | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Asset Depletion - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified - 2022, 2023, 2024 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2022, 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/15/2025 | 01/15/2025 | 11/22/2024 |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 30761.32 | 7.9 | No | 73.2 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **846854** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 10/15/2024 | 10.15.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1770 | 12/16/2024 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.368% |  | 9.125% | 9.125% | $813.63 | No | REDACTED | REDACTED | $1899.96 | $158.33 | $435.00 | $36.25 | $1374.90 | $2988.28 |  | N/A | REDACTED | REDACTED | $36.25 |  | Annually | 44.67% | 44.67% | 44.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 51.00% |  |  | Borrower Prepared | 11 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp, SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2022, 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 11/04/2024 | 11/04/2024 |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Employment Authorization Card |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 65.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **841259** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4447.45 | 12/23/2024 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.878% |  | 10.500% | 10.500% | $1417.85 | No | REDACTED | REDACTED | $1840.44 | $153.37 | $0.00 | $0.00 | $2036.00 | $3915.77 |  | N/A |  |  | $0.00 |  |  | 38.89% | 38.39% | 38.39% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 70.26% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 34 | 34 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, null Business Bank Statements Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 12/11/2024 | 12/11/2024 | 12/11/2024 |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.57 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **847345** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4760 | 01/06/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.681% |  | 8.500% | 8.500% | $2360.56 | No | REDACTED | REDACTED | $1224.72 | $102.06 | $9660.00 | $805.00 | $2084.02 | $5710.89 |  | Yes | REDACTED | REDACTED | $805.00 | 03/01/2025 | Monthly | 46.77% | 45.83% | 45.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 68 | 37 | Other | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023, 2022 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/07/2025 | 01/07/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 300357.52 | 52.6 | No | 49.95 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **826619** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6137.25 | 01/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.797% |  | 10.250% | 10.250% | $1424.80 | No | REDACTED | REDACTED | $5943.00 | $495.25 | $600.00 | $50.00 | $1216.67 | $3890.80 |  | N/A | REDACTED | REDACTED | $50.00 |  | Monthly | 46.95% | 46.95% | 46.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/07/2025 | 01/07/2025 |  |  |  | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **812697** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5535.36 | 01/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.265% |  | 10.500% | 10.500% | $1115.98 | No | REDACTED | REDACTED | $3621.00 | $301.75 | $2400.00 | $200.00 | $1371.41 | $3786.92 |  | N/A | REDACTED | REDACTED | $200.00 |  | Monthly | 49.90% | 49.10% | 49.10% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 96 | Yes | 96 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 \|\| Co Borrower - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 11/27/2024 | 11/27/2024 | 11/27/2024 |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Employment Authorization Card |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  | REDACTED | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Employment Authorization Card |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 78.55 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **865795** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 430 | 01/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.255% |  | 10.000% | 10.000% | $438.79 | No | REDACTED | REDACTED | $1251.00 | $104.25 | $4164.00 | $347.00 | $1051.73 | $2288.97 |  | N/A | REDACTED | REDACTED | $347.00 |  | Monthly | 49.22% | 48.68% | 48.68% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2022, 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2022, 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/10/2025 | 03/10/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 78.64 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **865649** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3442.66 | 01/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.396% |  | 9.000% | 9.000% | $1651.23 | No | REDACTED | REDACTED | $5093.52 | $424.46 | $0.00 | $0.00 | $1280.20 | $3530.56 | $10766.94 | N/A |  |  | $0.00 |  |  | 43.23% | 37.04% | 37.04% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 107 | 3 | Other | Yes | 60 | 36 | Other | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2021, 2022, 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2020, 2021, 2022, 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2021, 2022, 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2020, 2021, 2022, 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/15/2025 | 01/15/2025 | 01/15/2025 |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 54.97 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **838585** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 10/15/2024 | 10.15.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2165 | 01/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.053% |  | 9.375% | 9.375% | $554.39 | No | REDACTED | REDACTED | $1640.28 | $136.69 | $159.96 | $13.33 | $2967.42 | $3707.48 |  | N/A | REDACTED | REDACTED | $13.33 |  | Annually | 29.82% | 29.10% | 29.10% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | Yes | 6 | Yes | 6 | 2 | 0 | 2 | 2 | 3 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | NA | 0 | No | 0 | Yes | 24 | 24 | Other | Yes | 10 | 10 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 \|\| Co Borrower - Wage, SESCorp, SSI and Disability - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Separation Agreement Verified - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 11/21/2024 | 11/21/2024 | 11/21/2024 |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 77.28 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **888685** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3978.85 | 01/20/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.339% |  | 9.750% | 9.750% | $747.46 | No | REDACTED | REDACTED | $2316.00 | $193.00 | $0.00 | $0.00 | $1817.76 | $3335.25 |  | N/A |  |  | $0.00 |  |  | 49.74% | 49.74% | 49.74% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 360 | 25 | Other | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023, 2025, 2022 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023, 2025, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/09/2025 | 01/09/2025 |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 6 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 22591.39 | 6.8 | No | 65.28 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **863922** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 01/20/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 11.125% | 11.125% | $2246.26 | No | REDACTED | REDACTED | $2466.96 | $205.58 | $0.00 | $0.00 | $1790.14 | $4922.01 |  | N/A |  |  | $0.00 |  |  | 46.92% | 46.92% | 46.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2023, 2022 | Borrower - Executed 4506T Verified - 2024, 2023, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/14/2025 | 01/14/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 288727.17 | 58.7 | 512897.36 | 104.2 | No | 64.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **814046** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4901.94 | 01/27/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.803% |  | 9.250% | 9.250% | $865.92 | No | REDACTED | REDACTED | $4404.36 | $367.03 | $2712.00 | $226.00 | $1609.07 | $3597.85 | $10527.09 | N/A | REDACTED | REDACTED | $226.00 |  | Monthly | 34.54% | 34.97% | 34.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/15/2025 | 01/15/2025 |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | -7642.00 | 0 | No | 41.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **813398** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5208.75 | 01/20/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.587% |  | 11.000% | 11.000% | $1204.69 | No | REDACTED | REDACTED | $2871.00 | $239.25 | $0.00 | $0.00 | $1492.68 | $3424.99 | $4087.02 | N/A |  |  | $0.00 |  |  | 49.98% | 49.98% | 49.98% | No | No |  |  |  |  |  |  | Retired | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | Yes | Yes | 2 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Retirement, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/21/2025 | 01/21/2025 | 01/21/2025 |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4053.41 | 1.2 | 4053.41 | 1.2 | No | 72.75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **820015** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3120 | 01/20/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.286% |  | 10.625% | 10.625% | $646.87 | No | REDACTED | REDACTED | $1226.04 | $102.17 | $0.00 | $0.00 | $3002.94 | $4463.04 |  | N/A |  |  | $0.00 |  |  | 31.69% | 32.45% | 32.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Borrower Prepared | 2 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2022 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/29/2025 | 01/29/2025 |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 19031.15 | 4.3 | No | 87.08 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **868737** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3419.11 | 01/20/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.242% |  | 11.625% | 11.625% | $1024.10 | No | REDACTED | REDACTED | $2362.20 | $196.85 | $0.00 | $0.00 | $999.63 | $2623.46 |  | N/A |  |  | $0.00 |  |  | 20.69% | 18.09% | 18.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 12/24/2024 | 12/24/2024 |  |  |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 96079.93 | 36.6 | No | 74.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **851788** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 10/15/2024 | 10.15.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2064.76 | 01/27/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.976% |  | 9.375% | 9.375% | $758.16 | No | REDACTED | REDACTED | $444.96 | $37.08 | $2744.28 | $228.69 | $606.21 | $1743.68 | $5121.91 | No | REDACTED | REDACTED | $228.69 |  | Monthly | 33.56% | 33.56% | 33.56% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 3 | 3 | Other | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2022, 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 11/01/2024 | 11/01/2024 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.09 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **803305** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4669.06 | 01/27/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 13.087% |  | 12.750% | 12.750% | $2322.81 | No | REDACTED | REDACTED | $1424.04 | $118.67 | $1260.00 | $105.00 | $1332.92 | $4213.39 |  | N/A | REDACTED | REDACTED | $105.00 |  | Monthly | 73.84% | 46.69% | 46.69% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | Yes | 1 | 24 | Other | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024 \|\| Co Borrower - Wage, Overtime and Bonus, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2022, 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2022, 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/27/2025 | 01/27/2025 | 01/27/2025 |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 614.97 | 0.2 | No | 84.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **834888** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4455 | 01/27/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.828% |  | 10.375% | 10.375% | $1603.80 | No | REDACTED | REDACTED | $4032.96 | $336.08 | $1644.00 | $137.00 | $2295.32 | $5107.80 |  | N/A |  | REDACTED | $137.00 |  | Monthly | 49.54% | 49.53% | 49.53% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc |  |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - null W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023, 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/28/2025 | 01/28/2025 |  |  |  | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 108925.56 | 21.8 | No | 65.18 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **870093** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 13544 | 01/27/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.020% |  | 10.500% | 10.500% | $3658.96 | No | REDACTED | REDACTED | $7907.28 | $658.94 | $120.00 | $10.00 | $6189.35 | $11003.85 |  | N/A | REDACTED | REDACTED | $10.00 | 03/01/2025 | Monthly | 42.63% | 42.66% | 42.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 12/18/2024 | 12/18/2024 |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 352272.44 | 32 | No | 74.56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **862773** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.2024 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A | 346.84 | 01/27/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 11.875% | 11.875% | $524.79 | No | REDACTED | REDACTED | $1848.00 | $154.00 | $0.00 | $0.00 | $1009.00 | $1687.79 | $4794.46 | N/A |  |  | $0.00 |  |  | 41.73% | 41.73% | 41.73% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 1 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/27/2025 | 01/27/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.82 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **846320** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1730 | 02/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.173% |  | 9.125% | 9.125% | $3994.94 | No | REDACTED | REDACTED | $11652.96 | $971.08 | $8004.00 | $667.00 | $4629.95 | $11757.70 |  | N/A | REDACTED | REDACTED | $667.00 |  | Monthly | 46.72% | 46.65% | 46.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 41 | 41 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/29/2025 | 01/29/2025 |  |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 102871.64 | 8.8 | 102871.64 | 8.8 | No | 74.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **827394** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3741.29 | 02/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.168% |  | 8.500% | 8.500% | $841.79 | No | REDACTED | REDACTED | $1659.00 | $138.25 | $0.00 | $0.00 | $918.93 | $2041.56 |  | N/A |  |  | $0.00 |  |  | 44.07% | 44.07% | 44.07% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 228 | 36 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023, 2022 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/13/2025 | 01/13/2025 |  |  |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 15604.57 | 7.6 | No | 46.29 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **884591** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2299 | 02/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.071% |  | 9.500% | 9.500% | $462.47 | No | REDACTED | REDACTED | $1326.00 | $110.50 | $200.04 | $16.67 | $845.53 | $1827.56 |  | N/A | REDACTED | REDACTED | $16.67 |  | Annually | 20.72% | 20.30% | 20.30% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 313 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/03/2025 | 02/03/2025 |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.09 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **824403** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2934.27 | 02/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.288% |  | 11.000% | 11.000% | $1757.82 | No | REDACTED | REDACTED | $3540.96 | $295.08 | $399.96 | $33.33 | $2204.56 | $5222.16 |  | N/A | REDACTED | REDACTED | $33.33 |  | Annually | 25.83% | 25.83% | 25.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/06/2025 | 01/06/2025 |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **872722** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3481 | 02/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.392% |  | 9.750% | 9.750% | $635.77 | No | REDACTED | REDACTED | $4743.00 | $395.25 | $2772.00 | $231.00 | $1077.95 | $2856.48 |  | N/A | REDACTED | REDACTED | $231.00 | 03/01/2025 | Monthly | 33.34% | 33.37% | 33.37% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 12/11/2024 | 12/11/2024 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 24101.08 | 8.4 | No | 74.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **812566** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1474 | 02/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.196% |  | 11.875% | 11.875% | $751.00 | No | REDACTED | REDACTED | $2297.04 | $191.42 | $690.96 | $57.58 | $1450.56 | $2684.58 |  | N/A | REDACTED | REDACTED | $57.58 |  | Annually | 38.03% | 37.74% | 37.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/04/2025 | 02/04/2025 |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 84.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **844439** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2542.6 | 02/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.470% |  | 11.875% | 11.875% | $692.92 | No | REDACTED | REDACTED | $1015.80 | $84.65 | $840.00 | $70.00 | $1192.68 | $2165.10 |  | N/A | REDACTED | REDACTED | $70.00 |  | Monthly | 33.78% | 33.36% | 33.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 212 | 25 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/05/2025 | 02/05/2025 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 84.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **830500** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation |  | 02/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.375% | 10.375% | $3262.18 | No | REDACTED | REDACTED | $3761.04 | $313.42 | $0.00 | $0.00 | $3003.37 | $7002.65 |  | N/A |  |  | $0.00 |  |  | 7.12% | 7.00% | 7.00% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 \|\| Co Borrower - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/04/2025 | 02/04/2025 | 02/04/2025 |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 254223.06 | 36.3 | 601119.82 | 85.8 | No | 69.96 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| REDACTED |  | **896851** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5432.52 | 02/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.103% |  | 9.500% | 9.500% | $1051.07 | No | REDACTED | REDACTED | $1644.96 | $137.08 | $0.00 | $0.00 | $2116.28 | $3810.16 |  | N/A |  |  | $0.00 |  |  | 36.77% | 31.59% | 31.59% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 41 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 12/11/2024 | 12/11/2024 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 75104.45 | 19.7 | No | 73.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **883087** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 10/15/2024 | 10.15.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5375 | 01/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.813% |  | 9.625% | 9.625% | $3047.21 | No | REDACTED | REDACTED | $3477.96 | $289.83 | $0.00 | $0.00 | $22601.25 | $27925.30 |  | N/A |  |  | $0.00 |  |  | 14.31% | 23.02% | 23.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 11/19/2024 | 11/19/2024 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **809848** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8541.5 | 02/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.232% |  | 9.000% | 9.000% | $4039.21 | No | REDACTED | REDACTED | $2533.08 | $211.09 | $179.04 | $14.92 | $2978.93 | $7661.43 | $14419.69 | N/A | REDACTED | REDACTED | $14.92 | 04/01/2025 | Annually | 42.48% | 42.99% | 42.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | Yes | 84 | No | Yes | Yes | 6 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | Yes | 24 | No |  | Yes | 175 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, Asset Depletion, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, null Separation Agreement Verified, Personal Bank Statements Verified - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2022, 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/30/2025 | 01/30/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 29176.20 | 3.8 | 29176.20 | 3.8 | No | 60.74 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **815795** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2348 | 02/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.846% |  | 10.000% | 10.000% | $482.51 | No | REDACTED | REDACTED | $1493.16 | $124.43 | $447.96 | $37.33 | $1647.89 | $2810.27 |  | N/A | REDACTED | REDACTED | $37.33 | 03/01/2025 | Annually | 47.08% | 49.02% | 49.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 55 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/31/2025 | 01/31/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | 10/01/2017 | 01/01/2018 | 1 | 85 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.27 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **847698** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7080 | 02/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.019% |  | 9.125% | 9.125% | $1532.57 | No | REDACTED | REDACTED | $4000.20 | $333.35 | $2628.00 | $219.00 | $1522.94 | $4483.14 | $7156.86 | N/A | REDACTED | REDACTED | $219.00 | 03/01/2025 | Monthly | 42.39% | 42.39% | 42.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/13/2025 | 02/13/2025 |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 78287.66 | 17.5 | No | 63.67 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **843601** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2577 | 02/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.496% |  | 8.875% | 8.875% | $437.60 | No | REDACTED | REDACTED | $0.00 | $0.00 | $0.00 | $0.00 | $1047.50 | $1485.10 | $2861.70 | N/A |  |  | $0.00 |  |  | 44.88% | 44.88% | 44.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/07/2025 | 02/07/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 49.6 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **835784** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 02/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.250% | 10.250% | $1360.49 | No | REDACTED | REDACTED | $509.04 | $42.42 | $3600.00 | $300.00 | $1113.35 | $2990.23 |  | Yes | REDACTED | REDACTED | $300.00 |  | Monthly | 37.69% | 38.06% | 38.06% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 1 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 95 | 25 | Work Number | Yes | 102 | 25 | FNMA 1005 | No | 0 | 1 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/23/2025 | 01/23/2025 | 01/23/2025 |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Information Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act Information Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.91 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **864016** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8668 | 02/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.036% |  | 11.500% | 11.500% | $2303.42 | No | REDACTED | REDACTED | $5004.96 | $417.08 | $0.00 | $0.00 | $1127.53 | $4287.41 |  | N/A |  |  | $0.00 |  |  | 18.91% | 18.91% | 18.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 65.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2023, 2025 | Borrower - 2024, 2023, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/28/2025 | 01/28/2025 |  |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 32118.71 | 7.9 | 237825.10 | 58.2 | No | 74.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **889388** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3455 | 02/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.362% |  | 10.500% | 10.500% | $741.30 | No | REDACTED | REDACTED | $758.04 | $63.17 | $0.00 | $0.00 | $893.70 | $1922.47 |  | N/A |  |  | $0.00 |  |  | 37.48% | 37.48% | 37.48% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 169 | 25 | Other | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023, 2022 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2023, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/18/2025 | 01/18/2025 |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 38176.56 | 19.9 | No | 74.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **830562** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2447.6 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.760% |  | 9.125% | 9.125% | $423.09 | No | REDACTED | REDACTED | $1260.96 | $105.08 | $0.00 | $0.00 | $1956.22 | $2987.32 |  | N/A |  |  | $0.00 |  |  | 49.78% | 49.78% | 49.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 13 | 13 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/21/2025 | 01/21/2025 |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 39.32 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **874829** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4918.75 | 02/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.149% |  | 9.750% | 9.750% | $1434.79 | No | REDACTED | REDACTED | $2174.04 | $181.17 | $0.00 | $0.00 | $2767.66 | $4664.75 |  | N/A |  |  | $0.00 |  |  | 46.10% | 46.10% | 46.10% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 2 | 2 | Yes | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 14 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 4 | 4 | Other | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified - 2025, 2024 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 12/05/2024 | 12/05/2024 | 12/05/2024 |  |  | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Missing |  |  | United States |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 7096.62 | 1.5 | 168186.53 | 36.1 | No | 42.43 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **851378** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6596.23 | 02/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.439% |  | 10.875% | 10.875% | $1487.41 | No | REDACTED | REDACTED | $4662.72 | $388.56 | $0.00 | $0.00 | $1740.90 | $4083.79 |  | N/A |  |  | $0.00 |  |  | 41.43% | 41.43% | 41.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 3 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - 2023 - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 - 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/15/2025 | 01/15/2025 |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 7695.80 | 1.9 | 157268.57 | 38.5 | No | 79.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **865350** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 02/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.500% | 10.500% | $1006.21 | No | REDACTED | REDACTED | $1206.12 | $100.51 | $3504.00 | $292.00 | $549.54 | $2208.85 |  | Yes | REDACTED | REDACTED | $292.00 |  | Monthly | 79.61% | 49.75% | 49.75% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/28/2025 | 01/28/2025 |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 62.17 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **892475** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 10/15/2024 | 10.15.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2295 | 02/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.931% |  | 8.875% | 8.875% | $4773.87 | No | REDACTED | REDACTED | $3836.04 | $319.67 | $3564.00 | $297.00 | $3333.00 | $9679.60 |  | N/A | REDACTED | REDACTED | $297.00 | 03/01/2025 | Monthly | 43.79% | 39.63% | 39.63% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 11/22/2024 | 11/22/2024 | 11/22/2024 |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 594676.42 | 61.4 | No | 64.92 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | **880086** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5307.1 | 02/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.495% |  | 9.000% | 9.000% | $1046.01 | No | REDACTED | REDACTED | $1986.00 | $165.50 | $480.00 | $40.00 | $1717.94 | $3648.04 |  | N/A | REDACTED | REDACTED | $40.00 |  | Monthly | 39.30% | 40.52% | 40.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/30/2025 | 01/30/2025 |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 64.19 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **814798** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2877.11 | 02/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.884% |  | 8.750% | 8.750% | $2021.82 | No | REDACTED | REDACTED | $10447.44 | $870.62 | $480.00 | $40.00 | $2911.78 | $7377.30 |  | N/A | REDACTED | REDACTED | $40.00 |  | Annually | 34.06% | 31.39% | 31.39% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/11/2025 | 02/11/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 51.79 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **864388** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 10/15/2024 | 10.15.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2935.92 | 02/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.521% |  | 9.875% | 9.875% | $544.89 | No | REDACTED | REDACTED | $1587.00 | $132.25 | $0.00 | $0.00 | $1113.42 | $2495.86 |  | N/A |  |  | $0.00 |  |  | 48.85% | 48.85% | 48.85% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement - Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - 2025, 2024 \|\| Co Borrower - Retirement - Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - 2025, 2024 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/03/2025 | 02/03/2025 | 02/03/2025 |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 11864.42 | 4.8 | No | 63.25 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **815465** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A | 2036 | 02/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.140% |  | 8.750% | 8.750% | $1019.44 | No | REDACTED | REDACTED | $1665.00 | $138.75 | $0.00 | $0.00 | $631.08 | $1856.73 |  | N/A |  |  | $0.00 |  |  | 31.32% | 31.32% | 31.32% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 6 | 6 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/04/2025 | 02/04/2025 |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 66784.95 | 36 | No | 62.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **830186** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5625 | 02/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.172% |  | 8.750% | 8.750% | $1329.53 | No | REDACTED | REDACTED | $2382.96 | $198.58 | $0.00 | $0.00 | $1884.04 | $3983.36 |  | N/A |  |  | $0.00 |  |  | 42.82% | 42.90% | 42.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, Retirement, Retirement - 2 YRS W2 1099 Verified, Executed 4506T Verified, Award Letter Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 12/12/2024 | 12/12/2024 |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 4451.06 | 1.2 | No | 62.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **875694** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5757.5 | 02/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.293% |  | 10.000% | 10.000% | $2347.50 | No | REDACTED | REDACTED | $4574.04 | $381.17 | $0.00 | $0.00 | $7349.86 | $12568.15 |  | N/A |  |  | $0.00 |  |  | 42.68% | 42.62% | 42.62% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 2 | 0 | 2+ Months | NA | Yes | 3 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 6 | 0 | Yes | Yes | 6 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 27 | 27 | Other | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified - 2025, 2024, 2023 \|\| Co Borrower - Other - Personal Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/01/2025 | 02/01/2025 | 02/01/2025 |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 157288.71 | 12.5 | No | 74.98 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **890487** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 1790 | 02/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.104% |  | 9.750% | 9.750% | $901.10 | No | REDACTED | REDACTED | $3621.96 | $301.83 | $4320.00 | $360.00 | $584.93 | $2456.76 |  | N/A | REDACTED | REDACTED | $360.00 |  | Monthly | 46.18% | 45.76% | 45.76% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/13/2025 | 03/13/2025 |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.72 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **847146** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1535 | 02/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.934% |  | 9.750% | 9.750% | $859.15 | No | REDACTED | REDACTED | $1280.16 | $106.68 | $1080.00 | $90.00 | $2122.07 | $3564.98 |  | N/A | REDACTED | REDACTED | $90.00 | 04/01/2025 | Monthly | 47.46% | 41.09% | 41.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/30/2025 | 01/30/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 19756.36 | 5.5 | No | 71.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **894204** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 12175 | 02/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.329% |  | 9.875% | 9.875% | $3004.49 | No | REDACTED | REDACTED | $1403.04 | $116.92 | $1500.00 | $125.00 | $1906.29 | $5828.20 |  | N/A | REDACTED | REDACTED | $125.00 | 04/01/2025 | Monthly | 26.51% | 28.94% | 28.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 80.00% |  |  | N/A | 12 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified - 2023, 2024 | Borrower - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/15/2025 | 01/15/2025 |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 122527.46 | 31.2 | No | 79.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **850954** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1790 | 02/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.182% |  | 9.000% | 9.000% | $1206.93 | No | REDACTED | REDACTED | $2084.76 | $173.73 | $0.00 | $0.00 | $1070.24 | $2599.32 |  | N/A |  |  | $0.00 |  |  | 33.49% | 33.49% | 33.49% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, Retirement, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, Award Letter Verified - 2025, 2024, 2023, 2022 \|\| Co Borrower - Wage, Retirement, Retirement - IRS Transcripts Verified, Award Letter Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - 2025, 2024, 2023, 2022 \|\| Co Borrower - IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/06/2025 | 02/06/2025 | 02/06/2025 |  |  | 811 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Missing |  |  | United States |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 77.76 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **877572** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9710 | 02/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.828% |  | 10.500% | 10.500% | $3668.10 | No | REDACTED | REDACTED | $3801.96 | $316.83 | $0.00 | $0.00 | $5292.08 | $10991.60 |  | N/A |  |  | $0.00 |  |  | 42.83% | 42.59% | 42.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/12/2025 | 02/12/2025 |  |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | I-151 Permanent Resident Card |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 92878.40 | 8.5 | No | 64.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **840466** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5685 | 02/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.127% |  | 10.875% | 10.875% | $2592.95 | No | REDACTED | REDACTED | $2049.96 | $170.83 | $0.00 | $0.00 | $3480.00 | $6920.56 |  | N/A |  |  | $0.00 |  |  | 38.93% | 38.95% | 38.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 - 2024 | Borrower - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/31/2025 | 01/31/2025 |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 166857.00 | 27.7 | No | 64.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **815591** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4620 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 13.384% |  | 13.125% | 13.125% | $3635.92 | No | REDACTED | REDACTED | $10453.92 | $871.16 | $875.04 | $72.92 | $3000.63 | $7601.92 |  | N/A | REDACTED | REDACTED | $72.92 | 04/01/2025 | Monthly | 49.76% | 49.76% | 49.76% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, SSI and Disability, SSI and Disability - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2024 - 2024 \|\| Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/21/2025 | 02/21/2025 | 02/21/2025 |  |  | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 51977.16 | 6.8 | No | 84.56 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **821745** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1063.75 | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.587% |  | 9.375% | 9.375% | $623.81 | No | REDACTED | REDACTED | $1086.00 | $90.50 | $3875.04 | $322.92 | $2685.95 | $4137.65 |  | Yes | REDACTED | REDACTED | $322.92 | 04/01/2025 | Monthly | 36.00% | 35.89% | 35.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR W2 1099 Verified, Executed 4506T Verified - 2024 - 2024 | Borrower - Executed 4506T Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/04/2025 | 02/04/2025 |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 72814.00 | 17.6 | No | 64.28 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **818588** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3285.1 | 02/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.661% |  | 8.875% | 8.875% | $624.19 | No | REDACTED | REDACTED | $3903.00 | $325.25 | $0.00 | $0.00 | $1209.88 | $2310.89 |  | N/A |  |  | $0.00 |  |  | 26.83% | 26.83% | 26.83% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2022, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/17/2025 | 01/17/2025 |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **899466** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3630 | 02/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.226% |  | 8.750% | 8.750% | $747.37 | No | REDACTED | REDACTED | $1584.96 | $132.08 | $0.00 | $0.00 | $1184.46 | $2454.78 |  | N/A |  |  | $0.00 |  |  | 49.93% | 49.93% | 49.93% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, Retirement, Retirement - 2 YRS W2 1099 Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/17/2025 | 02/17/2025 |  |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 69020.36 | 28.1 | No | 60.4 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **892947** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3890 | 02/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.190% |  | 8.750% | 8.750% | $865.37 | No | REDACTED | REDACTED | $1119.96 | $93.33 | $0.00 | $0.00 | $1793.32 | $3290.37 |  | N/A |  |  | $0.00 |  |  | 41.17% | 41.17% | 41.17% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 169 | 26 | Other | Yes | 104 | 26 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/12/2025 | 02/12/2025 | 02/12/2025 |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Missing |  |  | United States |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 75955.13 | 23.1 | No | 63.12 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **876546** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1100 | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.560% |  | 9.125% | 9.125% | $561.94 | No | REDACTED | REDACTED | $2507.04 | $208.92 | $0.00 | $0.00 | $999.51 | $1829.62 |  | N/A |  |  | $0.00 |  |  | 47.23% | 38.54% | 38.54% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2022 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/21/2025 | 02/21/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 25164.89 | 12 | No | 51.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **872191** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3915.02 | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.171% |  | 10.625% | 10.625% | $924.11 | No | REDACTED | REDACTED | $1123.56 | $93.63 | $0.00 | $0.00 | $1473.00 | $2805.75 | $4210.47 | N/A |  |  | $0.00 |  |  | 40.05% | 40.06% | 40.06% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 120 | 26 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/24/2025 | 02/24/2025 |  |  |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 66.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **878314** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2194 | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.474% |  | 10.250% | 10.250% | $1863.22 | No | REDACTED | REDACTED | $6504.96 | $542.08 | $0.00 | $0.00 | $20827.90 | $26700.35 |  | N/A |  |  | $0.00 |  |  | 35.15% | 34.78% | 34.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/05/2025 | 02/05/2025 |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 111699.92 | 4.2 | 111699.92 | 4.2 | No | 74.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **803356** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A | 6843 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.904% |  | 10.625% | 10.625% | $3132.69 | No | REDACTED | REDACTED | $6455.04 | $537.92 | $0.00 | $0.00 | $4745.00 | $10410.65 |  | N/A |  |  | $0.00 |  |  | 34.88% | 34.88% | 34.88% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/04/2025 | 03/04/2025 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 325246.92 | 31.2 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **861148** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1200 | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.065% |  | 10.000% | 10.000% | $3304.06 | No | REDACTED | REDACTED | $1364.04 | $113.67 | $3756.00 | $313.00 | $2978.09 | $7760.25 |  | Yes | REDACTED | REDACTED | $313.00 |  | Monthly | 28.92% | 28.92% | 28.92% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/23/2025 | 01/23/2025 | 01/23/2025 |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.56 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | **823509** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9745 | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.884% |  | 9.375% | 9.375% | $2079.37 | No | REDACTED | REDACTED | $1629.96 | $135.83 | $900.00 | $75.00 | $1728.82 | $4651.04 |  | N/A | REDACTED | REDACTED | $75.00 |  | Annually | 43.33% | 42.38% | 42.38% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/11/2025 | 02/11/2025 | 02/11/2025 |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 160927.27 | 34.6 | No | 43.02 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **817612** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 10/15/2024 | 10.15.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2265 | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.182% |  | 10.500% | 10.500% | $457.37 | No | REDACTED | REDACTED | $1772.04 | $147.67 | $350.04 | $29.17 | $1005.22 | $1813.31 | $2468.09 | N/A | REDACTED | REDACTED | $29.17 | 04/01/2025 | Annually | 46.18% | 46.18% | 46.18% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes | Yes | No | No | 0 | No | Yes | Yes | 2 | 0 | Yes | Yes | 2 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 12/03/2024 | 12/03/2024 | 02/25/2025 |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 25394.28 | 14 | No | 57.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **838021** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6954.85 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.206% |  | 9.875% | 9.875% | $2556.98 | No | REDACTED | REDACTED | $2959.08 | $246.59 | $3600.00 | $300.00 | $3425.04 | $7740.09 |  | N/A | REDACTED | REDACTED | $300.00 |  | Monthly | 49.63% | 49.63% | 49.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/05/2025 | 03/05/2025 |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.84 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **806159** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 8.875% | 8.875% | $4773.87 | No | REDACTED | REDACTED | $1551.00 | $129.25 | $1824.00 | $152.00 | $3482.62 | $9740.76 |  | N/A | REDACTED | REDACTED | $152.00 | 03/01/2025 | Monthly | 41.88% | 41.88% | 41.88% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 60.00% | 40.00% |  | Borrower Prepared | 14 | Borrower | Borrower Prepared | Borrower | 14 | Missing | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/26/2025 | 02/26/2025 | 02/26/2025 |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 459747.31 | 51.2 | No | 45.16 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **832512** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5863 | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.966% |  | 9.375% | 9.375% | $1039.69 | No | REDACTED | REDACTED | $4545.96 | $378.83 | $0.00 | $0.00 | $1861.80 | $3862.69 |  | N/A |  |  | $0.00 |  |  | 40.73% | 40.73% | 40.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, SSI and Disability - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2022, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2022, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/23/2025 | 01/23/2025 |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 76856.65 | 19.9 | No | 71.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **832627** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3500 | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 13.033% |  | 12.875% | 12.875% | $3837.53 | No | REDACTED | REDACTED | $3944.04 | $328.67 | $1513.56 | $126.13 | $3410.42 | $8596.78 |  | N/A | REDACTED | REDACTED | $126.13 | 06/01/2025 | Monthly | 41.63% | 41.48% | 41.48% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | Yes | 3 | 0 | 0 | 0 | 0 | 2 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 176 | 39 | Work Number | Yes | 67 | 39 | Work Number | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/26/2025 | 02/26/2025 | 02/26/2025 |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 23271.00 | 2.7 | No | 77.2 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | **818408** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1790 | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.811% |  | 9.750% | 9.750% | $4295.77 | No | REDACTED | REDACTED | $1908.96 | $159.08 | $0.00 | $0.00 | $3277.07 | $8527.58 |  | N/A |  |  | $0.00 |  |  | 14.99% | 27.26% | 27.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/12/2025 | 02/12/2025 |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 64.52 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **848217** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 8145 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.471% |  | 9.125% | 9.125% | $2444.90 | No | REDACTED | REDACTED | $2352.84 | $196.07 | $0.00 | $0.00 | $1684.47 | $4643.53 |  | N/A |  |  | $0.00 |  |  | 45.93% | 45.93% | 45.93% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 1 | 1 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Borrower Prepared | 14 | Borrower | Borrower Prepared | Borrower | 14 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Retirement, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified, Lease Agreements Verified - 2025, 2024, 2023 \|\| Co Borrower - SEPartnership, Retirement - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified, Lease Agreements Verified - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/15/2025 | 01/15/2025 | 01/15/2025 |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Missing |  |  | United States |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 280847.21 | 60.5 | No | 48.83 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | **875831** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 795 | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.174% |  | 10.125% | 10.125% | $3591.63 | No | REDACTED | REDACTED | $1532.04 | $127.67 | $0.00 | $0.00 | $2178.11 | $6390.65 |  | N/A |  |  | $0.00 |  |  | 18.42% | 18.81% | 18.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/27/2025 | 02/27/2025 |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **865617** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3188.75 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.765% |  | 11.250% | 11.250% | $922.70 | No | REDACTED | REDACTED | $1547.04 | $128.92 | $0.00 | $0.00 | $1138.50 | $2616.24 |  | N/A |  |  | $0.00 |  |  | 50.79% | 48.93% | 48.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 96.34% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/06/2025 | 02/06/2025 |  |  |  | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **841296** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 2440 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.942% |  | 12.250% | 12.250% | $639.22 | No | REDACTED | REDACTED | $2249.04 | $187.42 | $0.00 | $0.00 | $1677.18 | $3287.81 |  | N/A |  |  | $0.00 |  |  | 52.78% | 46.17% | 46.17% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 2 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 3 | Yes | Yes | 0 | 3 | 0.00% | 100.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Missing | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, SESoleProprietor, SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/26/2025 | 02/26/2025 | 02/26/2025 |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 28395.49 | 8.6 | No | 79.71 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | **836240** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3330 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.435% |  | 8.750% | 8.750% | $706.97 | No | REDACTED | REDACTED | $1683.00 | $140.25 | $0.00 | $0.00 | $1325.33 | $2338.63 |  | N/A |  |  | $0.00 |  |  | 45.47% | 45.47% | 45.47% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/01/2025 | 03/01/2025 |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 16069.79 | 6.9 | No | 65.8 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **801548** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1895 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.313% |  | 8.250% | 8.250% | $4260.33 | No | REDACTED | REDACTED | $6287.28 | $523.94 | $60.00 | $5.00 | $1467.37 | $6533.72 |  | N/A |  | REDACTED | $5.00 |  | Annually | 37.53% | 37.53% | 37.53% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/03/2025 | 03/03/2025 | 03/03/2025 |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 500325.04 | 76.6 | No | 50.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **812254** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1095 | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.135% |  | 9.875% | 9.875% | $712.05 | No | REDACTED | REDACTED | $971.40 | $80.95 | $1236.00 | $103.00 | $1556.18 | $2674.94 |  | N/A |  | REDACTED | $103.00 |  | Monthly | 38.01% | 36.67% | 36.67% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, Retirement, Retirement - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - 2025, 2024 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/24/2025 | 02/24/2025 |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4470.43 | 1.7 | 5735.37 | 2.1 | No | 81.79 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **859075** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9500 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.918% |  | 9.625% | 9.625% | $3399.96 | No | REDACTED | REDACTED | $5679.00 | $473.25 | $0.00 | $0.00 | $2147.43 | $7298.84 |  | N/A |  |  | $0.00 |  |  | 29.02% | 29.02% | 29.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 85.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/11/2025 | 03/11/2025 |  |  |  | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 36752.50 | 5 | 36752.50 | 5 | No | 69.39 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **829784** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7095 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.788% |  | 8.500% | 8.500% | $2345.19 | No | REDACTED | REDACTED | $3546.96 | $295.58 | $0.00 | $0.00 | $3656.79 | $7425.24 |  | N/A |  |  | $0.00 |  |  | 39.86% | 40.39% | 40.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/27/2025 | 02/27/2025 |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 39.15 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **819318** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2194 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.917% |  | 9.875% | 9.875% | $6512.61 | No | REDACTED | REDACTED | $10611.00 | $884.25 | $0.00 | $0.00 | $20720.25 | $32450.38 |  | N/A |  |  | $0.00 |  |  | 45.89% | 41.94% | 41.94% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/12/2025 | 02/12/2025 | 02/12/2025 |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 53.57 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | **840352** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3901 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.450% |  | 8.500% | 8.500% | $817.33 | No | REDACTED | REDACTED | $2649.96 | $220.83 | $0.00 | $0.00 | $1833.00 | $3361.93 |  | N/A |  |  | $0.00 |  |  | 43.32% | 43.32% | 43.32% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, Retirement, Retirement - 2 YRS W2 1099 Verified, Executed 4506T Verified, Award Letter Verified - 2024, 2025, 2023 \|\| Co Borrower - Retirement, Retirement - 2 YRS W2 1099 Verified, Executed 4506T Verified, Award Letter Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - 2024, 2025, 2023 \|\| Co Borrower - Executed 4506T Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/30/2025 | 01/30/2025 | 01/30/2025 |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 32.15 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **851074** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3094.95 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.451% |  | 10.000% | 10.000% | $877.57 | No | REDACTED | REDACTED | $2269.20 | $189.10 | $0.00 | $0.00 | $2529.94 | $4216.72 |  | N/A |  |  | $0.00 |  |  | 46.12% | 46.36% | 46.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Retirement, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/05/2025 | 03/05/2025 |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 26998.96 | 6.4 | No | 75.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **887679** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2390 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.403% |  | 9.250% | 9.250% | $2188.92 | No | REDACTED | REDACTED | $2358.84 | $196.57 | $0.00 | $0.00 | $1580.48 | $4266.34 |  | N/A | REDACTED | REDACTED | $0.00 |  |  | 49.21% | 46.90% | 46.90% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | Yes | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 15 | Borrower |  |  |  | NA | 0 | No |  | Yes | 1 | 7 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, SESoleProprietor, Asset Depletion - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/05/2025 | 03/05/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 79516.12 | 18.6 | No | 74.77 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **869440** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3334 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.285% |  | 8.750% | 8.750% | $787.17 | No | REDACTED | REDACTED | $6137.04 | $511.42 | $501.96 | $41.83 | $2173.38 | $3717.32 |  | N/A |  | REDACTED | $41.83 |  | Annually | 48.68% | 48.69% | 48.68% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | Yes | N/A | 6 | 0 | Yes | Yes | 6 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 84 | 26 | Other | No | 0 |  |  | Borrower - Other - Executed 4506T Verified, IRS Transcripts Verified, Separation Agreement Verified, Personal Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/19/2025 | 02/19/2025 | 02/19/2025 |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 38173.42 | 10.3 | No | 40.97 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **816697** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3890 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.183% |  | 10.750% | 10.750% | $1306.87 | No | REDACTED | REDACTED | $3356.04 | $279.67 | $600.00 | $50.00 | $5069.48 | $7253.97 |  | N/A | REDACTED | REDACTED | $50.00 | 04/01/2025 | Annually | 44.99% | 44.99% | 44.99% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Other | Yes | 1 | 24 | Other | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/07/2025 | 02/07/2025 | 02/07/2025 |  |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 504.19 | 0.1 | 85355.07 | 11.8 | No | 84.8 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **812221** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3123.33 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.942% |  | 9.500% | 9.500% | $884.02 | No | REDACTED | REDACTED | $2761.92 | $230.16 | $1932.00 | $161.00 | $826.20 | $2344.42 |  | N/A | REDACTED | REDACTED | $161.00 |  | Annually | 25.61% | 37.91% | 37.91% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 1 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Child Support - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Separation Agreement Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/07/2025 | 03/07/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **873283** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1000 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 13.593% |  | 13.125% | 13.125% | $557.99 | No | REDACTED | REDACTED | $2751.96 | $229.33 | $3699.96 | $308.33 | $4478.75 | $5864.88 |  | N/A | REDACTED | REDACTED | $308.33 | 04/01/2025 | Monthly | 37.24% | 37.04% | 37.04% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | Yes | 1 | 24 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/30/2025 | 01/30/2025 | 01/30/2025 |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 18754.91 | 3.2 | No | 80.36 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **829423** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 11102.96 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.467% |  | 9.750% | 9.750% | $2295.41 | No | REDACTED | REDACTED | $6414.96 | $534.58 | $1320.00 | $110.00 | $2187.25 | $5404.22 |  | N/A | REDACTED | REDACTED | $110.00 |  | Monthly | 44.43% | 44.53% | 44.53% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 222 | 25 | Work Number | Yes | 54 | 25 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/05/2025 | 02/05/2025 | 02/05/2025 |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.47 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **885761** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.500% | 9.500% | $4187.45 | No | REDACTED | REDACTED | $2036.04 | $169.67 | $0.00 | $0.00 | $5502.62 | $10104.79 |  | N/A |  |  | $0.00 |  |  | 36.93% | 36.51% | 36.51% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/04/2025 | 02/04/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 442275.50 | 60.2 | No | 69.91 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **824119** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2542.08 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.177% |  | 8.875% | 8.875% | $875.21 | No | REDACTED | REDACTED | $2676.48 | $223.04 | $0.00 | $0.00 | $1090.42 | $2440.44 |  | N/A |  |  | $0.00 |  |  | 34.58% | 35.55% | 35.55% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/20/2025 | 03/20/2025 |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.32 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **822960** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2720 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.230% |  | 8.750% | 8.750% | $668.70 | No | REDACTED | REDACTED | $4226.52 | $352.21 | $0.00 | $0.00 | $1180.66 | $2603.41 |  | N/A |  |  | $0.00 |  |  | 36.12% | 36.12% | 36.12% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | Yes | 2 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 67.45% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | Yes | 11 | 24 | Work Number | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/16/2025 | 01/16/2025 | 02/06/2025 |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 80486.72 | 32.1 | No | 57.92 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **887718** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3959.8 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.316% |  | 8.875% | 8.875% | $851.34 | No | REDACTED | REDACTED | $2744.04 | $228.67 | $780.00 | $65.00 | $834.47 | $2237.54 |  | N/A | REDACTED | REDACTED | $65.00 |  | Monthly | 49.08% | 49.08% | 49.08% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 69 | 27 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/04/2025 | 03/04/2025 |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 44.31 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **876325** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2585 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 13.932% |  | 13.000% | 13.000% | $644.37 | No | REDACTED | REDACTED | $1589.04 | $132.42 | $1320.00 | $110.00 | $1092.25 | $2132.52 |  | N/A | REDACTED | REDACTED | $110.00 |  | Monthly | 44.58% | 44.58% | 44.58% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | Yes | Yes | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Maintenance - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/13/2025 | 01/13/2025 |  |  |  | 674 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.42 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **816863** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.000% |  | 11.000% | 11.000% | $952.32 | No | REDACTED | REDACTED | $2985.84 | $248.82 | $120.00 | $10.00 | $5360.25 | $8266.06 |  | N/A | REDACTED | REDACTED | $10.00 |  | Annually | 49.93% | 49.94% | 49.94% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 1 | 2 | 1 | 2 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Borrower Prepared | 3 | Borrower | Borrower Prepared | Borrower | 3 | NA | 0 | No | 0 | Yes | 17 | 17 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Wage, Overtime and Bonus, Retirement, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2022, 2023, 2024 \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/16/2025 | 01/16/2025 | 01/16/2025 |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 68578.63 | 8.3 | 68578.63 | 8.3 | No | 83.63 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **822034** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4690 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.568% |  | 10.125% | 10.125% | $1330.23 | No | REDACTED | REDACTED | $2331.96 | $194.33 | $0.00 | $0.00 | $2184.09 | $4073.62 |  | N/A |  |  | $0.00 |  |  | 0.00% | 30.03% | 30.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/20/2025 | 02/20/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 70.1 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **832333** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3050 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.494% |  | 8.875% | 8.875% | $517.17 | No | REDACTED | REDACTED | $1367.16 | $113.93 | $0.00 | $0.00 | $901.08 | $1832.29 |  | N/A |  |  | $0.00 |  |  | 38.73% | 38.67% | 38.67% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/10/2025 | 02/10/2025 |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 60416.88 | 33 | No | 66.22 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **882755** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 11790 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.488% |  | 9.125% | 9.125% | $3254.53 | No | REDACTED | REDACTED | $1930.56 | $160.88 | $0.00 | $0.00 | $3009.88 | $6961.45 |  | N/A |  |  | $0.00 |  |  | 39.51% | 39.50% | 39.50% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 12 | Yes | Yes | 12 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 240 | Yes | 240 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/19/2025 | 02/19/2025 | 02/19/2025 |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 45443.12 | 6.5 | No | 69.06 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **804845** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8580 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.276% |  | 8.875% | 8.875% | $2068.68 | No | REDACTED | REDACTED | $999.00 | $83.25 | $0.00 | $0.00 | $2037.22 | $4720.85 |  | N/A |  |  | $0.00 |  |  | 63.00% | 37.05% | 37.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/11/2025 | 03/11/2025 |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 246957.79 | 52.3 | No | 51.8 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **845134** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7375 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.357% |  | 10.750% | 10.750% | $1596.25 | No | REDACTED | REDACTED | $2026.56 | $168.88 | $0.00 | $0.00 | $7336.12 | $9369.01 |  | N/A |  |  | $0.00 |  |  | 41.89% | 41.89% | 41.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 | Borrower - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/03/2025 | 02/03/2025 |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 128663.74 | 13.7 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **833853** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2194 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.312% |  | 9.250% | 9.250% | $6170.07 | No | REDACTED | REDACTED | $10343.04 | $861.92 | $0.00 | $0.00 | $21233.81 | $33709.86 |  | N/A |  |  | $0.00 |  |  | 36.16% | 36.16% | 36.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/13/2025 | 03/13/2025 |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 91539.39 | 2.6 | 809184.65 | 22.7 | No | 69.42 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **845599** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5245.9 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.246% |  | 9.750% | 9.750% | $1245.77 | No | REDACTED | REDACTED | $1521.12 | $126.76 | $0.00 | $0.00 | $1092.69 | $2902.85 |  | N/A |  |  | $0.00 |  |  | 37.37% | 33.89% | 33.89% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 73 | 26 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/11/2025 | 03/11/2025 |  |  |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.36 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **899010** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3422.87 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.471% |  | 12.125% | 12.125% | $1600.00 | No | REDACTED | REDACTED | $890.16 | $74.18 | $0.00 | $0.00 | $2386.91 | $4962.40 |  | N/A |  |  | $0.00 |  |  | 41.90% | 41.90% | 41.90% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/25/2025 | 03/25/2025 | 03/25/2025 |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | I-151 Permanent Resident Card |  | REDACTED | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 11814.56 | 2.4 | No | 82.51 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **890620** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5915 | 03/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.980% |  | 8.500% | 8.500% | $1153.37 | No | REDACTED | REDACTED | $965.16 | $80.43 | $1476.00 | $123.00 | $1683.98 | $3753.28 |  | N/A | REDACTED | REDACTED | $123.00 |  | Monthly | 23.03% | 22.70% | 22.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 13 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/04/2025 | 03/04/2025 |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 60.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **821864** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8030 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.550% |  | 10.750% | 10.750% | $1725.89 | No | REDACTED | REDACTED | $10912.68 | $909.39 | $0.00 | $0.00 | $1791.35 | $5199.78 | $102539.12 | N/A |  |  | $0.00 |  |  | 21.28% | 15.86% | 15.86% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/14/2025 | 03/14/2025 | 03/14/2025 |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 38242.84 | 7.4 | No | 79.58 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **827201** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3078.63 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 13.023% |  | 12.250% | 12.250% | $906.68 | No | REDACTED | REDACTED | $5439.60 | $453.30 | $189.96 | $15.83 | $1639.27 | $3356.41 |  | N/A | REDACTED | REDACTED | $15.83 |  | Annually | 47.99% | 48.25% | 48.22% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 305 | 28 | Work Number | Yes | 20 | 20 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Military and Government Assistance, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/10/2025 | 03/10/2025 | 03/10/2025 |  |  | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **889194** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2200 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.172% |  | 9.750% | 9.750% | $1165.30 | No | REDACTED | REDACTED | $1527.36 | $127.28 | $999.96 | $83.33 | $3005.74 | $4628.18 |  | N/A | REDACTED | REDACTED | $83.33 |  | Annually | 47.58% | 47.50% | 47.50% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 1 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 50 | 26 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Commission - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/21/2025 | 02/21/2025 | 02/21/2025 |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 72.68 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **869799** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5795 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.958% |  | 11.250% | 11.250% | $1288.38 | No | REDACTED | REDACTED | $1677.96 | $139.83 | $0.00 | $0.00 | $1270.56 | $3064.42 |  | N/A |  |  | $0.00 |  |  | 47.14% | 48.16% | 48.16% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 103 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/13/2025 | 03/13/2025 |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **816023** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9494.04 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 13.890% |  | 13.125% | 13.125% | $2240.68 | No | REDACTED | REDACTED | $1629.00 | $135.75 | $1550.04 | $129.17 | $4985.70 | $8721.47 |  | N/A |  | REDACTED | $129.17 |  | Monthly | 48.48% | 48.49% | 48.49% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 127 | 7 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/15/2025 | 02/15/2025 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | I-551 Permanent Resident Card |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 17572.24 | 2 | No | 89.77 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **809932** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5157 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.918% |  | 11.250% | 11.250% | $1058.67 | No | REDACTED | REDACTED | $2475.48 | $206.29 | $1605.96 | $133.83 | $2424.95 | $4123.82 |  | N/A | REDACTED | REDACTED | $133.83 |  | Monthly | 48.29% | 48.16% | 48.16% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/02/2025 | 01/02/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 80.74 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **829421** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3682.2 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.022% |  | 9.375% | 9.375% | $669.06 | No | REDACTED | REDACTED | $1039.20 | $86.60 | $0.00 | $0.00 | $2490.56 | $3492.12 |  | N/A |  |  | $0.00 |  |  | 37.23% | 37.37% | 37.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/25/2025 | 01/25/2025 |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **811968** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2825 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.804% |  | 9.000% | 9.000% | $1266.76 | No | REDACTED | REDACTED | $390.84 | $32.57 | $0.00 | $0.00 | $1013.96 | $2611.37 |  | N/A |  |  | $0.00 |  |  | 29.02% | 29.02% | 29.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 29 | 27 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/20/2025 | 02/20/2025 |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 95671.40 | 36.6 | No | 62.58 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **868177** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4861.34 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.013% |  | 9.750% | 9.750% | $2104.46 | No | REDACTED | REDACTED | $2524.20 | $210.35 | $225.00 | $18.75 | $1926.00 | $4437.98 |  | N/A | REDACTED | REDACTED | $18.75 |  | Annually | 31.49% | 31.32% | 31.32% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 5 | 5 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Military and Government Assistance, Retirement, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/03/2025 | 03/03/2025 |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 89.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **864499** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1535 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.619% |  | 9.250% | 9.250% | $523.22 | No | REDACTED | REDACTED | $2294.52 | $191.21 | $0.00 | $0.00 | $2569.68 | $3842.27 |  | N/A |  |  | $0.00 |  |  | 58.33% | 49.70% | 49.70% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/18/2025 | 03/18/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 54129.33 | 14.1 | No | 74.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **809924** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.2025 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.875% | 9.875% | $1085.44 | No | REDACTED | REDACTED | $3948.00 | $329.00 | $0.00 | $0.00 | $3383.00 | $4797.44 | $5400.20 | N/A |  |  | $0.00 |  |  | 47.39% | 47.29% | 47.29% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 190 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Primary Residence Rent Income - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/24/2025 | 02/24/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1963.61 | 0.4 | 1963.61 | 0.4 | No | 67.26 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **866157** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2200.45 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.509% |  | 10.250% | 10.250% | $1179.80 | No | REDACTED | REDACTED | $2832.00 | $236.00 | $0.00 | $0.00 | $3462.88 | $5340.43 |  | N/A |  |  | $0.00 |  |  | 49.82% | 48.78% | 48.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified, Lease Agreements Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/06/2025 | 02/06/2025 |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 127440.02 | 22.5 | No | 74.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **878471** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Qualifying DTI Exceeds 43% | 4474 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.311% |  | 9.750% | 9.750% | $927.89 | No | REDACTED | REDACTED | $3654.00 | $304.50 | $0.00 | $0.00 | $1437.80 | $2990.66 | $3919.11 | N/A |  |  | $0.00 |  |  | 48.66% | 46.39% | 46.39% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/18/2025 | 02/18/2025 | 02/18/2025 |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.43 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **880063** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 795 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.982% |  | 8.875% | 8.875% | $795.64 | No | REDACTED | REDACTED | $1151.04 | $95.92 | $0.00 | $0.00 | $2290.23 | $4024.70 |  | N/A |  |  | $0.00 |  |  | 46.17% | 46.17% | 46.17% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 69 | 27 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/24/2025 | 01/24/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 47.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **883664** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 495 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.681% |  | 9.500% | 9.500% | $546.56 | No | REDACTED | REDACTED | $2538.00 | $211.50 | $600.00 | $50.00 | $975.50 | $1897.89 |  | N/A |  | REDACTED | $50.00 |  | Annually | 49.99% | 49.98% | 49.98% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 307 | 27 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/20/2025 | 03/20/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 26604.84 | 14.6 | No | 48.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **824626** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 10645 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.013% |  | 9.375% | 9.375% | $1896.39 | No | REDACTED | REDACTED | $3936.00 | $328.00 | $0.00 | $0.00 | $2180.42 | $5579.48 |  | N/A |  |  | $0.00 |  |  | 50.00% | 49.97% | 49.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 72 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Child Support - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Separation Agreement Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/10/2025 | 02/10/2025 |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **862405** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 10595 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.274% |  | 9.875% | 9.875% | $3212.89 | No | REDACTED | REDACTED | $865.20 | $72.10 | $0.00 | $0.00 | $917.80 | $4515.97 |  | N/A |  |  | $0.00 |  |  | 46.73% | 46.69% | 46.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/07/2025 | 02/07/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 307610.65 | 68.1 | No | 71.19 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **894935** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 14911.58 | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.065% |  | 9.750% | 9.750% | $4953.70 | No | REDACTED | REDACTED | $1233.00 | $102.75 | $2640.00 | $220.00 | $4751.00 | $11515.21 | $24973.79 | N/A | REDACTED | REDACTED | $220.00 | 06/01/2025 | Monthly | 49.27% | 49.05% | 49.05% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Missing | 0 | 0 | No | Missing | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 13 | 13 | Work Number | Yes | 111 | 27 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Wage, Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/21/2025 | 03/21/2025 | 03/21/2025 |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **816564** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 634.95 | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.338% |  | 9.125% | 9.125% | $617.95 | No | REDACTED | REDACTED | $2879.04 | $239.92 | $450.00 | $37.50 | $1079.21 | $2367.39 |  | N/A |  | REDACTED | $37.50 |  | Monthly | 32.06% | 29.22% | 29.22% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/20/2025 | 02/20/2025 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 56891.68 | 24 | 56891.68 | 24 | No | 74.74 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **865790** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1953 | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.487% |  | 8.875% | 8.875% | $397.82 | No | REDACTED | REDACTED | $1572.00 | $131.00 | $0.00 | $0.00 | $694.10 | $1380.64 |  | N/A |  |  | $0.00 |  |  | 105.97% | 42.38% | 42.38% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/24/2025 | 02/24/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 30972.43 | 22.4 | No | 47.56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **813971** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 11.000% | 11.000% | $1780.84 | No | REDACTED | REDACTED | $1445.04 | $120.42 | $0.00 | $0.00 | $2421.40 | $5341.97 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.104 | 0 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/22/2025 | 02/22/2025 |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | 169687.43 | 31.8 | No | 69.51 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **822485** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.250% | 9.250% | $534.74 | No | REDACTED | REDACTED | $1844.04 | $153.67 | $0.00 | $0.00 | $1079.06 | $2221.44 |  | N/A |  |  | $0.00 |  |  | 44.57% | 44.40% | 44.40% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | Yes | 1 | 24 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Commission, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/18/2025 | 03/18/2025 | 03/18/2025 |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 60780.60 | 27.4 | No | 66.69 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **853830** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.000% | 10.000% | $877.57 | No | REDACTED | REDACTED | $2078.16 | $173.18 | $0.00 | $0.00 | $2134.65 | $3871.53 |  | N/A |  |  | $0.00 |  |  | 48.16% | 47.64% | 47.64% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/05/2025 | 02/05/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | United States of America | 11-24-2034 | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15027.32 | 3.9 | 15027.32 | 3.9 | No | 64.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **880208** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5872.5 | 03/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.057% |  | 9.500% | 9.500% | $1219.24 | No | REDACTED | REDACTED | $1965.00 | $163.75 | $665.04 | $55.42 | $1384.97 | $3379.68 |  | N/A |  | REDACTED | $55.42 |  | Annually | 42.82% | 42.82% | 42.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | Yes |  | No | No | 0 | No | Yes | Yes | 2 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/21/2025 | 02/21/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 114474.05 | 33.9 | No | 88.02 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **893816** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2484.5 | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.882% |  | 10.125% | 10.125% | $496.62 | No | REDACTED | REDACTED | $2202.96 | $183.58 | $249.96 | $20.83 | $1369.76 | $2374.23 |  | N/A | REDACTED | REDACTED | $20.83 | 04/01/2025 | Monthly | 47.11% | 47.11% | 47.11% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/22/2025 | 02/22/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 46229.97 | 20.8 | No | 78.66 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **848679** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5865 | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.425% |  | 10.750% | 10.750% | $1166.85 | No | REDACTED | REDACTED | $3111.96 | $259.33 | $260.04 | $21.67 | $1038.59 | $2637.24 | $6428.65 | N/A | REDACTED | REDACTED | $21.67 | 05/01/2025 | Monthly | 37.82% | 37.82% | 37.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | Yes |  | No | No | 0 | No | Yes | Yes | 3 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/24/2025 | 02/24/2025 |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | 01/30/2017 | 04/26/2017 | 1 | 95 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 72.03 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **844283** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2850 | 03/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.386% |  | 9.875% | 9.875% | $908.92 | No | REDACTED | REDACTED | $2336.04 | $194.67 | $0.00 | $0.00 | $1293.94 | $3317.90 |  | N/A |  |  | $0.00 |  |  | 47.70% | 47.10% | 47.10% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 20 | 20 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/19/2025 | 02/19/2025 |  |  |  | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 54.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **881541** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1436.8 | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.514% |  | 9.250% | 9.250% | $692.53 | No | REDACTED | REDACTED | $1233.96 | $102.83 | $0.00 | $0.00 | $1800.05 | $2756.15 |  | N/A |  |  | $0.00 |  |  | 40.08% | 41.06% | 41.06% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 84 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/14/2025 | 02/14/2025 |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 77.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **880345** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4260 | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.105% |  | 11.375% | 11.375% | $1235.76 | No | REDACTED | REDACTED | $1188.00 | $99.00 | $0.00 | $0.00 | $2210.68 | $4012.90 |  | N/A |  |  | $0.00 |  |  | 52.21% | 49.13% | 49.13% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 166 | 26 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/27/2025 | 02/27/2025 |  |  |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3759.25 | 0.9 | 3759.25 | 0.9 | No | 79.06 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **811461** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4442 | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.627% |  | 11.875% | 11.875% | $968.05 | No | REDACTED | REDACTED | $1017.00 | $84.75 | $0.00 | $0.00 | $1163.63 | $2530.91 | $5473.73 | N/A |  |  | $0.00 |  |  | 47.04% | 47.04% | 47.04% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 301 | 38 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/25/2025 | 02/25/2025 | 02/25/2025 |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 89.38 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **834695** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 03/31/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.000% | 10.000% | $523.91 | No | REDACTED | REDACTED | $912.00 | $76.00 | $0.00 | $0.00 | $1285.13 | $2077.28 | $8168.32 | N/A |  |  | $0.00 |  |  | 21.47% | 20.79% | 20.79% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/17/2025 | 03/17/2025 |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | -723.00 | 0 | No | 79.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **862723** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1455 | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.275% |  | 10.000% | 11.500% | $561.65 | No | REDACTED | REDACTED | $1080.96 | $90.08 | $0.00 | $0.00 | $993.00 | $2023.36 | $5539.64 | N/A |  |  | $0.00 |  |  | 35.90% | 35.05% | 35.05% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 93 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/03/2025 | 03/03/2025 |  |  |  | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.74 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **814349** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9898 | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.925% |  | 8.625% | 8.625% | $3111.16 | No | REDACTED | REDACTED | $1425.96 | $118.83 | $0.00 | $0.00 | $11666.66 | $18483.42 |  | N/A |  |  | $0.00 |  |  | 29.70% | 29.70% | 29.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/18/2025 | 03/18/2025 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 383914.67 | 20.8 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **806854** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 593.19 | 03/31/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.121% |  | 9.990% | 9.990% | $1041.04 | No | REDACTED | REDACTED | $1502.04 | $125.17 | $3120.00 | $260.00 | $1446.14 | $2884.43 |  | N/A | REDACTED | REDACTED | $260.00 | 05/01/2025 | Monthly | 37.88% | 37.88% | 37.87% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, SSI and Disability, Other - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/31/2025 | 03/31/2025 |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 353.90 | 0.1 | 21451.01 | 7.4 | No | 74.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **860308** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3390.4 | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.062% |  | 9.625% | 9.625% | $883.99 | No | REDACTED | REDACTED | $2618.04 | $218.17 | $2700.00 | $225.00 | $2415.51 | $4658.75 |  | Yes | REDACTED | REDACTED | $225.00 | 06/01/2025 | Monthly | 24.50% | 24.50% | 24.50% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/31/2025 | 03/31/2025 | 03/31/2025 |  |  | 678 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 52344.47 | 11.2 | No | 69.65 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **898847** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4208.09 | 03/31/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.600% |  | 10.750% | 10.750% | $928.93 | No | REDACTED | REDACTED | $1214.04 | $101.17 | $0.00 | $0.00 | $2239.42 | $3934.28 |  | N/A |  |  | $0.00 |  |  | 40.09% | 40.09% | 40.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/12/2025 | 03/12/2025 |  |  |  | 664 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 85076.97 | 21.6 | No | 74.79 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **854860** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.939% | $1436.23 | No | REDACTED | REDACTED | $4185.84 | $348.82 | $0.00 | $0.00 | $4014.00 | $6658.53 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.053 | 1.053 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/28/2025 | 02/28/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.94 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **890178** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9395 | 03/31/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.679% |  | 10.375% | 10.375% | $3621.63 | No | REDACTED | REDACTED | $2895.24 | $241.27 | $4680.00 | $390.00 | $7273.79 | $11976.87 |  | N/A | REDACTED | REDACTED | $390.00 |  | Monthly | 10.17% | 10.17% | 10.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | Borrower Prepared | 3 | Borrower |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/25/2025 | 03/25/2025 |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.14 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **810630** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 822 | 03/31/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.637% |  | 9.125% | 9.125% | $636.77 | No | REDACTED | REDACTED | $1430.04 | $119.17 | $0.00 | $0.00 | $755.47 | $1733.65 |  | N/A |  |  | $0.00 |  |  | 36.70% | 36.70% | 36.70% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 1 | 1 | FNMA 1005 | No | 0 |  |  | Borrower - Other, SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - 2023, 2024 \|\| Co Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/22/2025 | 02/22/2025 | 02/22/2025 |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 23243.69 | 13.4 | No | 75.83 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **824966** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 11495 | 03/31/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.304% |  | 10.750% | 10.750% | $2800.44 | No | REDACTED | REDACTED | $1434.96 | $119.58 | $0.00 | $0.00 | $2386.02 | $6197.52 | $20027.42 | N/A |  |  | $0.00 |  |  | 45.45% | 45.32% | 45.32% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/14/2025 | 03/14/2025 | 03/14/2025 |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 132737.09 | 21.4 | No | 73.08 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **873359** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8489 | 03/31/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.197% |  | 8.625% | 8.625% | $1400.02 | No | REDACTED | REDACTED | $8793.00 | $732.75 | $6300.00 | $525.00 | $2354.53 | $5268.84 |  | N/A | REDACTED | REDACTED | $525.00 | 05/01/2025 | Monthly | 46.14% | 46.14% | 46.14% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024 \|\| Co Borrower - SSI and Disability, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 12/31/2024 | 12/31/2024 | 12/31/2024 |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 8357.28 | 1.6 | 175302.18 | 33.3 | No | 41.76 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **890676** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | QM: Rebuttable Presumption DTI (DTI RP) | Yes | No | No | N/A | APOR Threshold | 1672.5 | 03/31/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.968% |  | 10.375% | 10.380% | $452.83 | No | REDACTED | REDACTED | $900.00 | $75.00 | $4032.84 | $336.07 | $948.10 | $1919.79 |  | Yes | REDACTED | REDACTED | $336.07 | 05/01/2025 | Monthly | 49.89% | 49.89% | 49.89% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | Yes | 84 | No | Yes | Yes | 15 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, Asset Depletion - 2 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/10/2025 | 03/10/2025 |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20332.83 | 10.6 | 64241.10 | 33.5 | No | 69.64 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **817405** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Qualifying DTI Exceeds 43% | 6838.39 | 03/31/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.811% |  | 10.125% | 10.125% | $1463.26 | No | REDACTED | REDACTED | $1140.00 | $95.00 | $0.00 | $0.00 | $1406.39 | $3253.90 |  | N/A |  |  | $0.00 |  |  | 47.61% | 47.61% | 47.61% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 48 | 28 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified, Executed 4506T Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/12/2025 | 03/12/2025 |  |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 38257.33 | 11.8 | No | 61.3 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **848574** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2987.36 | 03/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.485% |  | 8.875% | 8.875% | $695.94 | No | REDACTED | REDACTED | $773.04 | $64.42 | $510.96 | $42.58 | $641.04 | $1531.31 |  | Yes | REDACTED | REDACTED | $42.58 |  | Annually | 34.01% | 34.01% | 34.00% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | Missing | 0 | 0 | No | Missing | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/24/2025 | 03/24/2025 | 03/24/2025 |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 65.92 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **847456** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4130 | 02/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.544% |  | 9.875% | 9.875% | $957.26 | No | REDACTED | REDACTED | $1218.00 | $101.50 | $840.00 | $70.00 | $886.91 | $2099.78 |  | N/A | REDACTED | REDACTED | $70.00 |  | Monthly | 43.34% | 43.34% | 43.33% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - 2025 - 2025 \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - 2025 - 2025 | Borrower - 3 YRS Executed 4506T Verified - 2025 - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025 - 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/28/2025 | 02/28/2025 | 02/28/2025 |  |  | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.08 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **896348** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4195 | 04/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.940% |  | 8.750% | 9.125% | $3092.99 | No | REDACTED | REDACTED | $3606.12 | $300.51 | $0.00 | $0.00 | $2247.56 | $6591.07 |  | N/A |  |  | $0.00 |  |  | 32.80% | 31.19% | 31.19% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 57 | 26 | Work Number | No | 0 |  | N/A | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/13/2025 | 02/13/2025 | 02/13/2025 |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 188221.55 | 28.7 | 188221.55 | 28.7 | No | 77.34 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **894173** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1500 | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.569% |  | 9.000% | 9.000% | $449.86 | No | REDACTED | REDACTED | $1074.00 | $89.50 | $2640.00 | $220.00 | $435.23 | $1584.24 |  | Yes | REDACTED | REDACTED | $220.00 | 06/01/2025 | Monthly | 46.70% | 46.71% | 46.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 2 | 24 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, SSI and Disability - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/26/2025 | 03/26/2025 |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 2470.50 | 1.6 | No | 46.47 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **869715** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3332.25 | 04/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 13.418% |  | 12.750% | 12.750% | $942.02 | No | REDACTED | REDACTED | $1881.24 | $156.77 | $300.00 | $25.00 | $1306.45 | $2613.67 |  | N/A |  | REDACTED | $25.00 |  | Annually | 32.84% | 32.79% | 32.79% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 330 | 29 | Work Number | Yes | 29 | 29 | Other | No | 0 |  |  | Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/13/2025 | 02/13/2025 | 02/13/2025 |  |  | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 3645.99 | 1.4 | No | 79.28 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **830741** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.2024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3278 | 01/06/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.042% |  | 9.500% | 9.500% | $650.82 | No | REDACTED | REDACTED | $431.04 | $35.92 | $6372.00 | $531.00 | $2036.06 | $3811.68 |  | Yes | REDACTED | REDACTED | $531.00 |  | Monthly | 49.99% | 50.00% | 50.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 246 | 27 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/20/2025 | 01/20/2025 |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 73.9 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **898227** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1898 | 04/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.419% |  | 8.375% | 8.375% | $5700.54 | No | REDACTED | REDACTED | $4254.48 | $354.54 | $0.00 | $0.00 | $3900.00 | $13195.24 |  | N/A |  |  | $0.00 |  |  | 35.49% | 39.91% | 39.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/05/2025 | 03/05/2025 |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 389178.65 | 29.5 | No | 50 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **860285** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4045 | 04/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.973% |  | 9.375% | 9.375% | $771.86 | No | REDACTED | REDACTED | $603.96 | $50.33 | $6421.20 | $535.10 | $1717.36 | $3449.03 |  | Yes | REDACTED | REDACTED | $535.10 |  | Monthly | 37.47% | 37.24% | 37.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 173 | 28 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/28/2025 | 03/28/2025 |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.62 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **819861** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Qualifying DTI Exceeds 43% | 2374.38 | 04/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.983% |  | 9.750% | 9.750% | $1303.77 | No | REDACTED | REDACTED | $629.88 | $52.49 | $3840.00 | $320.00 | $2056.06 | $4135.28 | $5642.15 | Yes | REDACTED | REDACTED | $320.00 | 06/01/2025 | Monthly | 46.05% | 46.54% | 46.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 3 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/19/2025 | 03/19/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 75 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **849902** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5645 | 04/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.832% |  | 10.375% | 10.375% | $1493.92 | No | REDACTED | REDACTED | $1481.04 | $123.42 | $200.04 | $16.67 | $1800.50 | $4181.42 |  | N/A | REDACTED | REDACTED | $16.67 |  | Annually | 40.16% | 40.16% | 40.16% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 2 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 15 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 52 | 28 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Separation Agreement Verified - 2022, 2023, 2024 \|\| Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/04/2025 | 04/04/2025 | 04/04/2025 |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 38.12 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **841110** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1695 | 04/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.744% |  | 10.750% | 10.750% | $3659.25 | No | REDACTED | REDACTED | $1286.16 | $107.18 | $0.00 | $0.00 | $3675.16 | $8386.41 |  | N/A |  |  | $0.00 |  |  | 37.73% | 33.23% | 33.23% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 100.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 15 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/13/2025 | 03/13/2025 | 03/13/2025 |  |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 95277.74 | 11.4 | 273738.23 | 32.6 | No | 74.53 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **850389** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Qualifying DTI Exceeds 43% | 495 | 04/07/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.807% |  | 9.750% | 9.750% | $2315.42 | No | REDACTED | REDACTED | $3224.64 | $268.72 | $0.00 | $0.00 | $2545.64 | $6245.37 |  | N/A |  |  | $0.00 |  |  | 47.51% | 47.58% | 47.58% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 34.50% | 34.50% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 74 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024, 2023 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 \|\| Co Borrower - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/20/2025 | 02/20/2025 | 02/20/2025 |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 248787.15 | 39.8 | No | 69.69 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **881601** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 11.000% | 11.000% | $980.89 | No | REDACTED | REDACTED | $960.00 | $80.00 | $0.00 | $0.00 | $1497.40 | $2998.62 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 0 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/22/2025 | 02/22/2025 |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | 90685.60 | 31.3 | No | 57.05 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **856846** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3915 | 04/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.333% |  | 9.250% | 9.250% | $5347.39 | No | REDACTED | REDACTED | $2732.52 | $227.71 | $0.00 | $0.00 | $6645.00 | $14057.84 | $49678.17 | N/A |  |  | $0.00 |  |  | 26.71% | 26.59% | 26.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 207 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/03/2025 | 04/03/2025 |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 49.48 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **839874** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 930.05 | 04/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.168% |  | 10.000% | 11.000% | $965.33 | No | REDACTED | REDACTED | $1869.96 | $155.83 | $0.00 | $0.00 | $851.76 | $2178.58 |  | N/A |  |  | $0.00 |  |  | 47.36% | 47.55% | 47.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 24 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 - 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2023 - 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/05/2025 | 03/05/2025 |  |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 105177.39 | 52.8 | No | 47.13 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **824555** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.09.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2490 | 04/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.923% |  | 11.500% | 11.500% | $821.94 | No | REDACTED | REDACTED | $1035.00 | $86.25 | $0.00 | $0.00 | $1570.08 | $2911.29 |  | N/A |  |  | $0.00 |  |  | 46.39% | 46.39% | 46.39% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/15/2025 | 04/15/2025 |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 6227.70 | 1.9 | No | 84.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **885247** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 2.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 11.500% | 11.500% | $639.86 | No | REDACTED | REDACTED | $1179.00 | $98.25 | $0.00 | $0.00 | $782.78 | $1783.01 |  | N/A |  |  | $0.00 |  |  | 39.47% | 39.47% | 39.47% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 70 | 28 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/16/2025 | 04/16/2025 |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 57042.17 | 32 | No | 79.14 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **851599** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3420 | 04/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.499% |  | 9.125% | 9.125% | $1220.45 | No | REDACTED | REDACTED | $1391.04 | $115.92 | $0.00 | $0.00 | $1924.17 | $4211.77 |  | N/A |  |  | $0.00 |  |  | 44.86% | 44.86% | 44.86% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 109 | 28 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/01/2025 | 04/01/2025 |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 55.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **857052** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 10.125% | 10.125% | $2436.99 | No | REDACTED | REDACTED | $1659.12 | $138.26 | $0.00 | $0.00 | $1410.41 | $4111.71 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.021 |  | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/21/2025 | 03/21/2025 |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **850608** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7180 | 04/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.305% |  | 10.750% | 10.750% | $1708.28 | No | REDACTED | REDACTED | $1019.28 | $84.94 | $0.00 | $0.00 | $1404.00 | $3553.88 | $4607.04 | N/A |  |  | $0.00 |  |  | 47.17% | 44.57% | 44.57% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 107 | 27 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/16/2025 | 04/16/2025 |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | 04/20/2019 | 08/05/2019 | 1 | 69 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 62.73 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **889817** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1895 | 04/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.119% |  | 9.000% | 9.000% | $1770.17 | No | REDACTED | REDACTED | $0.00 | $0.00 | $0.00 | $0.00 | $2507.00 | $4277.17 | $10240.49 | N/A |  |  | $0.00 |  |  | 38.28% | 38.28% | 38.28% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 25 | 25 | Work Number | No | 0 |  | N/A | Borrower \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/26/2025 | 03/26/2025 | 03/26/2025 |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 71.17 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **829391** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.625% | 10.625% | $717.10 | No | REDACTED | REDACTED | $1697.04 | $141.42 | $1380.00 | $115.00 | $1366.00 | $2531.01 |  | N/A |  | REDACTED | $115.00 |  | Monthly | 45.23% | 45.29% | 45.29% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 30 | 30 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO, Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/27/2025 | 03/27/2025 |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 71506.72 | 28.3 | No | 74.73 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **838568** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/09/2024 | 12.9.24 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2942.05 | 04/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.135% |  | 9.500% | 9.500% | $525.53 | No | REDACTED | REDACTED | $515.16 | $42.93 | $4800.00 | $400.00 | $1092.37 | $2388.58 |  | Yes | REDACTED | REDACTED | $400.00 | 06/01/2025 | Monthly | 50.00% | 50.00% | 50.00% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, Retirement - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - 2025, 2024 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 01/31/2025 | 01/31/2025 |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 3914.21 | 1.6 | No | 21.66 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **856155** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3175.59 | 04/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.315% |  | 10.750% | 10.750% | $746.24 | No | REDACTED | REDACTED | $1644.00 | $137.00 | $2496.00 | $208.00 | $1048.46 | $2267.37 |  | N/A | REDACTED | REDACTED | $208.00 |  | Monthly | 29.34% | 29.32% | 29.33% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 90 | 16 | Other | Yes | 44 | 16 | Other | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/21/2025 | 04/21/2025 | 04/21/2025 |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 11840.77 | 5.2 | No | 78.94 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **817541** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1700 | 04/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.264% |  | 8.875% | 8.875% | $397.82 | No | REDACTED | REDACTED | $1467.00 | $122.25 | $0.00 | $0.00 | $1897.50 | $2783.07 |  | N/A |  |  | $0.00 |  |  | 49.56% | 49.56% | 49.56% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 29 | 18 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/21/2025 | 04/21/2025 |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 29411.05 | 10.6 | No | 74.21 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **877543** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1745 | 04/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.066% |  | 8.875% | 8.875% | $1113.11 | No | REDACTED | REDACTED | $2031.48 | $169.29 | $1278.00 | $106.50 | $3724.50 | $6090.23 |  | N/A | REDACTED | REDACTED | $106.50 |  | Annually | 29.72% | 29.72% | 29.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 2+ Months |  | Yes | 3 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 20 | 20 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/27/2025 | 02/27/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4271.99 | 0.7 | 4271.99 | 0.7 | No | 74.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **850780** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 10.000% | 10.000% | $1526.98 | No | REDACTED | REDACTED | $2355.72 | $196.31 | $0.00 | $0.00 | $1471.05 | $3768.17 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.062 | 1.062 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/03/2025 | 02/03/2025 | 02/03/2025 |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 164001.99 | 43.5 | No | 59.87 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **816442** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4975.42 | 04/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.300% |  | 11.500% | 11.500% | $1147.48 | No | REDACTED | REDACTED | $1389.00 | $115.75 | $0.00 | $0.00 | $906.30 | $2265.45 |  | N/A |  |  | $0.00 |  |  | 47.83% | 47.49% | 47.49% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 24 | 24.48% | 0.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 201 | NA | 0 | 0 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/04/2025 | 03/04/2025 | 03/04/2025 |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 49240.17 | 21.7 | No | 59.81 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **818847** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 10.000% | 10.000% | $1491.87 | No | REDACTED | REDACTED | $2424.00 | $202.00 | $0.00 | $0.00 | $1770.98 | $4036.20 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  | 0 |  | NA |  | 0 | N/A | 0 |  |  | 0 | 0 | 0 | 0 |  | NA | No | No | 0 | No | No |  | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  | N/A | N/A | 0 |  | 0 | No | 0 |  | 0 | 0 |  | NA | 0 | 0 | N/A | Yes | 1.487 | 1.487 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/03/2025 | 02/03/2025 | 02/03/2025 |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 59.98 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **868065** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 10.000% | 10.000% | $1641.06 | No | REDACTED | REDACTED | $3489.36 | $290.78 | $0.00 | $0.00 | $1528.34 | $4165.09 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.056 | 1.056 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/03/2025 | 02/03/2025 | 02/03/2025 |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 178533.53 | 42.9 | No | 59.91 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **866313** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 02/11/2025 | 02.11.2025 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 10.000% | 10.000% | $1570.85 | No | REDACTED | REDACTED | $3735.60 | $311.30 | $0.00 | $0.00 | $1568.06 | $4083.90 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.014 | 1.013 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 02/03/2025 | 02/03/2025 | 02/03/2025 |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 168780.88 | 41.3 | No | 59.86 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **837365** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 10.250% | 10.250% | $2168.57 | No | REDACTED | REDACTED | $7366.08 | $613.84 | $0.00 | $0.00 | $3225.27 | $7101.25 |  | N/A |  |  | $0.00 |  |  | 33.45% | 34.34% | 34.34% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/24/2025 | 03/24/2025 |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.73 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **828421** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5995 | 04/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.140% |  | 8.875% | 8.872% | $2188.02 | No | REDACTED | REDACTED | $3311.40 | $275.95 | $1254.96 | $104.58 | $2861.52 | $5669.55 |  | N/A | REDACTED | REDACTED | $104.58 |  | Annually | 44.87% | 44.15% | 44.15% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 1 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 4 | NA | 0 | Yes | 77 | Yes | 72 | 28 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SECorporation, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/03/2025 | 04/03/2025 | 04/03/2025 |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 73.23 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **816671** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8207.12 | 04/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 13.287% |  | 12.500% | 12.500% | $1878.14 | No | REDACTED | REDACTED | $3231.96 | $269.33 | $0.00 | $0.00 | $1677.22 | $4603.48 |  | N/A |  |  | $0.00 |  |  | 40.06% | 40.06% | 40.06% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 27 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/10/2025 | 04/10/2025 |  |  |  | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.76 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **845404** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 11.000% | 11.000% | $1190.40 | No | REDACTED | REDACTED | $1902.48 | $158.54 | $0.00 | $0.00 | $1399.18 | $3278.85 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.403 |  | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/26/2025 | 03/26/2025 |  |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3498.35 | 1.1 | 3498.35 | 1.1 | No | 63.23 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **821210** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3050 | 05/05/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.529% |  | 9.875% | 9.875% | $564.43 | No | REDACTED | REDACTED | $2147.88 | $178.99 | $420.00 | $35.00 | $868.33 | $1934.27 |  | N/A | REDACTED | REDACTED | $35.00 | 06/01/2025 | Monthly | 37.66% | 39.63% | 39.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/26/2025 | 03/26/2025 |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 58031.08 | 30 | No | 45.56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **876592** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 04/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.375% | 10.375% | $1028.35 | No | REDACTED | REDACTED | $3015.96 | $251.33 | $0.00 | $0.00 | $1649.54 | $3253.75 |  | N/A |  |  | $0.00 |  |  | 28.42% | 28.42% | 28.42% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/17/2025 | 04/17/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5813.00 | 1.8 | 115777.36 | 35.6 | No | 79.87 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **896866** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2690 | 05/05/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.583% |  | 9.500% | 9.500% | $4120.19 | No | REDACTED | REDACTED | $3365.04 | $280.42 | $2700.00 | $225.00 | $4647.10 | $10664.04 | $23025.75 | N/A | REDACTED | REDACTED | $225.00 | 07/01/2025 | Monthly | 33.44% | 33.44% | 33.44% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/04/2025 | 04/04/2025 | 04/04/2025 |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 77.54 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **889735** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Qualifying DTI Exceeds 43% | 23595 | 04/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.415% |  | 9.875% | 9.875% | $4775.92 | No | REDACTED | REDACTED | $12195.96 | $1016.33 | $0.00 | $0.00 | $3544.34 | $10434.18 |  | N/A |  |  | $0.00 |  |  | 49.85% | 49.85% | 49.85% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 15 | Tax Preparer | N/A | N/A | 0 | Yes | 27 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/24/2025 | 03/24/2025 | 03/24/2025 |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | 11/18/2019 | 06/25/2020 | 1 | 58 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 347856.80 | 33.3 | No | 64.32 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | **858849** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | Appendix Q Documentation |  | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.000% | 9.000% | $3435.74 | No | REDACTED | REDACTED | $1924.20 | $160.35 | $0.00 | $0.00 | $2900.64 | $7169.76 |  | N/A |  |  | $0.00 |  |  | 41.30% | 41.30% | 41.30% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2023, 2024 | Borrower - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/06/2025 | 05/06/2025 |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 117024.55 | 18 | No | 69.97 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **863139** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 11.500% | 11.500% | $643.69 | No | REDACTED | REDACTED | $2656.92 | $221.41 | $0.00 | $0.00 | $1330.77 | $2513.45 |  | N/A |  |  | $0.00 |  |  | 35.03% | 35.03% | 35.03% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 72 | Tax Preparer |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/23/2025 | 04/23/2025 |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 58868.36 | 23.4 | No | 47.15 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **848045** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4320 | 05/05/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.077% |  | 7.750% | 7.750% | $1074.62 | No | REDACTED | REDACTED | $3069.96 | $255.83 | $1476.00 | $123.00 | $1688.81 | $3358.24 |  | N/A | REDACTED | REDACTED | $123.00 | 06/01/2025 | Monthly | 24.38% | 26.17% | 26.17% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/01/2025 | 05/01/2025 | 05/01/2025 |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 81067.95 | 24.1 | No | 67.86 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **808482** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2589.16 | 05/05/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.454% |  | 9.250% | 9.250% | $584.79 | No | REDACTED | REDACTED | $1347.00 | $112.25 | $0.00 | $0.00 | $432.43 | $1213.73 |  | N/A |  |  | $0.00 |  |  | 47.57% | 47.65% | 47.61% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 72 | 51 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023, 2022 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023, 2022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/06/2025 | 04/06/2025 |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 64984.89 | 53.5 | No | 72.77 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **852095** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3110 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.696% |  | 9.250% | 9.250% | $756.86 | No | REDACTED | REDACTED | $1539.00 | $128.25 | $528.00 | $44.00 | $1229.01 | $2321.39 |  | N/A | REDACTED | REDACTED | $44.00 | 07/01/2025 | Monthly | 44.17% | 44.17% | 44.17% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, SSI and Disability, Retirement, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/23/2025 | 04/23/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 10806.14 | 4.7 | No | 73.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **844562** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4324 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.524% |  | 9.875% | 9.875% | $797.14 | No | REDACTED | REDACTED | $3543.84 | $295.32 | $0.00 | $0.00 | $1837.91 | $3536.87 |  | N/A |  |  | $0.00 |  |  | 49.09% | 49.09% | 49.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 129 | 27 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/17/2025 | 04/17/2025 |  |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 28967.19 | 8.2 | No | 71.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **836831** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2999.75 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.008% |  | 11.375% | 11.375% | $637.50 | No | REDACTED | REDACTED | $1407.96 | $117.33 | $0.00 | $0.00 | $910.58 | $1926.50 |  | N/A |  |  | $0.00 |  |  | 43.86% | 46.10% | 46.10% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | Yes | Yes | 3 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/08/2025 | 04/08/2025 |  |  |  | 674 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 99.67 | 0.1 | 48980.69 | 25.4 | No | 70.21 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **808352** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 05.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5570 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.637% |  | 9.125% | 9.125% | $1220.45 | No | REDACTED | REDACTED | $1774.56 | $147.88 | $0.00 | $0.00 | $1748.59 | $3798.03 |  | N/A |  |  | $0.00 |  |  | 46.70% | 46.70% | 46.70% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/09/2025 | 04/09/2025 |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 58.27 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **849847** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 03.11.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2588.45 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.035% |  | 9.250% | 9.250% | $503.73 | No | REDACTED | REDACTED | $2733.00 | $227.75 | $219.96 | $18.33 | $1184.00 | $2119.90 |  | N/A | REDACTED | REDACTED | $18.33 |  | Annually | 37.18% | 36.45% | 36.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 51 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 04/03/2025 | 04/03/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 71.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **838232** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.2025 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3225.32 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.193% |  | 9.500% | 9.500% | $581.44 | No | REDACTED | REDACTED | $2052.00 | $171.00 | $952.80 | $79.40 | $1076.28 | $2179.28 |  | N/A |  | REDACTED | $79.40 |  | Monthly | 34.27% | 34.27% | 34.27% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 33 | 33 | Other | Yes | 164 | 28 | Other | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/20/2025 | 05/20/2025 | 05/20/2025 |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 17505.09 | 8 | No | 79.1 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **873543** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 04/14/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.500% | 0.000% | $2982.82 | No | REDACTED | REDACTED | $2711.04 | $225.92 | $0.00 | $0.00 | $2369.99 | $8262.83 |  | N/A |  |  | $0.00 |  |  | 35.42% | 35.53% | 35.53% | Unknown |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 03/19/2025 | 03/19/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 313088.78 | 37.9 | No | 64.36 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **815201** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 05.12.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 05/19/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.000% | 9.000% | $1448.32 | No | REDACTED | REDACTED | $829.08 | $69.09 | $0.00 | $0.00 | $1190.21 | $3322.82 |  | N/A |  |  | $0.00 |  |  | 41.16% | 41.08% | 41.08% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 72 | 29 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/19/2025 | 05/19/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Permanent Resident Card | REDACTED | REDACTED | REDACTED |  |  | I-551 Permanent Resident Card |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 44.56 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 6**

---

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| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| REDACTED |  | **816724** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **846854** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **841259** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **847345** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **826619** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **812697** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **865795** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 2055 Exterior Only Inspection Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **865649** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **838585** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **888685** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **863922** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **814046** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **813398** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **820015** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **868737** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **851788** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED |  |  |  |  | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **803305** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **834888** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **870093** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **862773** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **846320** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **827394** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **884591** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **824403** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **872722** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **812566** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **844439** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **830500** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **896851** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **883087** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  | REDACTED | REDACTED | .0000 | Other | REDACTED | REDACTED | .0085 | REDACTED | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **809848** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | 1 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **815795** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **847698** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **843601** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **835784** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **864016** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **889388** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **830562** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **874829** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **851378** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | REDACTED | REDACTED |
| REDACTED |  | **865350** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **892475** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **880086** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **814798** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **864388** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **815465** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **830186** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **875694** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **890487** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **847146** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **894204** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **850954** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **877572** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **840466** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **815591** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **821745** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **818588** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **899466** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **892947** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **876546** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **872191** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **878314** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **803356** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **861148** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **823509** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **817612** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **838021** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **806159** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **832512** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **832627** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **818408** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **848217** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **875831** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **865617** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **841296** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **836240** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **801548** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **812254** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Other | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **859075** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **829784** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **819318** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0143 | REDACTED | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **840352** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **851074** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **887679** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **869440** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | -.0778 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **816697** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **812221** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | -.0166 | AVM |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | -.0166 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **873283** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **829423** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **885761** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **824119** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **822960** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **887718** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **876325** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **816863** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **822034** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **832333** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **882755** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **804845** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **845134** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **833853** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0500 | REDACTED | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **845599** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **899010** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **890620** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **821864** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **827201** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **889194** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **869799** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **816023** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **809932** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **829421** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **811968** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **868177** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **864499** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **809924** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **866157** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **878471** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **880063** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **883664** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **824626** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **862405** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **894935** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **816564** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **865790** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **813971** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **822485** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **853830** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **880208** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 2055 Exterior Only Inspection Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **893816** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **848679** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **844283** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **881541** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **880345** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **811461** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **834695** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **862723** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **814349** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **806854** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **860308** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0069 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **898847** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **854860** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **890178** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **810630** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **824966** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **873359** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **890676** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **817405** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **848574** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **847456** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **896348** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **894173** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **869715** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **830741** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **898227** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **860285** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **819861** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **849902** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **841110** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **850389** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **881601** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **856846** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | -.0540 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **839874** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **824555** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **885247** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Other | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **851599** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0883 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **857052** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **850608** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **889817** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **829391** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **838568** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Other | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **856155** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **817541** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **877543** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **850780** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **816442** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **818847** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **868065** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **866313** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **837365** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **828421** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | Desk Review | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0777 | Collateral Underwriter (CU) |  |  |  |  | REDACTED | REDACTED | .0777 | REDACTED | 1004 URAR |  |  |  |  |  |  |  |  | REDACTED | REDACTED |  | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **816671** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **845404** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **821210** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **876592** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **896866** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **889735** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **858849** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **863139** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **848045** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | -.0859 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **808482** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **852095** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AVM | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  |  |  |  |  |  | REDACTED |  |  | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **844562** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **836831** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **808352** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0160 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **849847** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **838232** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **873543** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **815201** | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---